Federal credit union · Vicksburg, Mississippi · NCUA charter #24892
Vicksburg Railroad
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $12.1M
- Total assets
- 1,003
- Members
- 32.4%
- Net-worth ratio
Vicksburg Railroad scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.1M; members 1,003; net-worth ratio 32.37%; health rank #1,024 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,024 of 4,374 health · 2025Q4Vicksburg Railroad · health 90/100 · $12.1M · 2025Q4
Call Report peers
Vicksburg Railroad in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Vicksburg Railroad vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Vicksburg Railroad sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Vicksburg Railroad: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 94.44% here, 59.80% peer average (+34.64 pp).
- Widest shortfall vs peers is Return on Assets: -0.17 pp (0.53% vs 0.70%).
Mississippi standing for Vicksburg Railroad
- In Mississippi, health place is #12 of 55 on the same NCUA-ratio sort used nationally.
- Assets rank #35 of 55 inside Mississippi ($12.1M reported).
- Membership ranks #45 of 55 among Mississippi CUs with a reported count (1,003 members).
- One place up in Mississippi, Meridian Mutual (#11) scores 93/100, 3 points higher; one place down, N. Mississippi Health Services Emp. (#13) ties at 90/100.
How Vicksburg Railroad's 5300 filing moved
Vicksburg Railroad: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $12.1M (2025Q4) to $12.1M (2026Q1).
- Net-worth ratio shifted +0.12 pp (32.25% → 32.37%).
At 32.37%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Vicksburg Railroad gives up 10 points in total. Member Growth costs the most, 7.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 12.6 pts
Vicksburg Railroad vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 32.37% | +17.51 pp |
| Delinquency Rate | 0.00% | -1.14 pp |
| Return on Assets | 0.53% | -0.17 pp |
| Member Growth | -0.89% | - |
| Loan-to-Share Ratio | 94.44% | +34.64 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.1M | - |
| 2025Q4 | $12.1M | 1,003 |
| 2024Q4 | $12.0M | 1,012 |
| 2023Q4 | $11.3M | 1,039 |
Credit Union Details
- Charter Number
- 24892
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- Vicksburg
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Vicksburg Railroad.
| Office | City |
|---|---|
| Vicksburg Railroad Credit Union (Main Office) | Vicksburg, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
A look at other Mississippi credit unions, ranked by how closely their peer group and asset size match this one.
Vicksburg Railroad nationwide neighbourhoods
Using this data
- Vicksburg Railroad ranks #1,024 of 4,374 nationally on financial health and #12 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Unity is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Unity
Frequently Asked Questions
Is Vicksburg Railroad financially healthy?
Vicksburg Railroad has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,024 of 4,374 nationally on health and #12 of 55 in Mississippi. Its net worth ratio is 32.37% and its delinquency rate 0.00%.
How does Vicksburg Railroad compare to other credit unions?
Vicksburg Railroad scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (94.44% vs 59.80%). Its widest shortfall is return on assets (0.53% vs 0.70%).
How can I join Vicksburg Railroad?
Vicksburg Railroad operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Vicksburg Railroad directly for the exact boundaries and application steps.
Is my money safe at Vicksburg Railroad?
Vicksburg Railroad is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Vicksburg Railroad's net worth ratio of 32.37% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.