Side-by-side · Q2 2026 data
Planters Bank & Trust Company vs Vicksburg Railroad Federal Credit Union
Credit union
Vicksburg Railroad Federal Credit Union
Vicksburg, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Planters Bank & Trust Company | Vicksburg Railroad Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 77 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 80 | 83 (stronger) |
| Earnings | 73 (stronger) | 30 |
| Funding & liquidity | 55 | 71 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 63rd | 57th |
| Total assets | $2.7B | $12.0M |
| Deposits / shares | $2.3B | $8.0M |
| Capital ratio | 11.19% | 32.83% (stronger) |
| Problem loans | 0.61% | 0.52% (stronger) |
| Net charge-offs | 0.25% | 0.11% (stronger) |
| Return on assets | 1.32% (stronger) | 0.26% |
| Loans ÷ deposits | 78.3% (stronger) | 89.7% |
| Uninsured deposits | 38.8% | 5.3% (stronger) |
| Offices | 29 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | — |
Vicksburg Railroad Federal Credit Union has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Planters Bank & Trust Company leads on 2 and Vicksburg Railroad Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.