Side-by-side · Q2 2026 data
RiverHills Bank vs Vicksburg Railroad Federal Credit Union
Credit union
Vicksburg Railroad Federal Credit Union
Vicksburg, Mississippi · Under $100 million in assets
Metric by metric
| Measure | RiverHills Bank | Vicksburg Railroad Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 77 |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 79 | 83 (stronger) |
| Earnings | 100 (stronger) | 30 |
| Funding & liquidity | 66 | 71 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 82nd | 57th |
| Total assets | $445.2M | $12.0M |
| Deposits / shares | $387.6M | $8.0M |
| Capital ratio | 12.54% | 32.83% (stronger) |
| Problem loans | 0.64% | 0.52% (stronger) |
| Net charge-offs | -0.11% (stronger) | 0.11% |
| Return on assets | 2.07% (stronger) | 0.26% |
| Loans ÷ deposits | 66.5% (stronger) | 89.7% |
| Uninsured deposits | 40.3% | 5.3% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
RiverHills Bank has the higher TellerScore (82 vs 77). On the 7 directional measures above (where higher or lower is clearly better), RiverHills Bank leads on 4 and Vicksburg Railroad Federal Credit Union on 3. 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.