Vicksburg Railroad

Vicksburg, MS · 1 · Charter #24892 · www.vrcums.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$12.1M
47th percentile
Members
1,003
36th percentile
Total loans
$7.7M
57th percentile
Total shares
$8.2M
42th percentile

Profitability

Return on assets
0.64%
42th percentile
Net interest margin
4.24%
61th percentile
Efficiency ratio
70.91%
41th percentile
Non-interest income ratio
11.77%
58th percentile

Capital & Risk

Net worth ratio
32.25%
94th percentile
Delinquency rate
0.00%
84th percentile
Net charge-off rate
0.31%
43th percentile
Loan-to-share
94.44%
90th percentile

Growth

Member growth YoY
-0.89%
56th percentile
Asset growth YoY
1.02%
49th percentile
Loan growth YoY
-0.36%
61th percentile
Share growth YoY
0.82%
52th percentile

Operations

Members / branch
1,003
46th percentile
Assets / member
$12,091
71th percentile
Field of membership penetration
66.87%
82th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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