Side-by-side · Q2 2026 data
Tensas State 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 | Tensas State Bank | Vicksburg Railroad Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 77 (stronger) |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 0 | 83 (stronger) |
| Earnings | 74 (stronger) | 30 |
| Funding & liquidity | 74 (stronger) | 71 |
| Problem-loan coverage | 61 | 98 (stronger) |
| Peer percentile | 17th | 57th |
| Total assets | $185.5M | $12.0M |
| Deposits / shares | $158.5M | $8.0M |
| Capital ratio | 13.87% | 32.83% (stronger) |
| Problem loans | 3.43% | 0.52% (stronger) |
| Net charge-offs | 0.39% | 0.11% (stronger) |
| Return on assets | 1.34% (stronger) | 0.26% |
| Loans ÷ deposits | 75.2% (stronger) | 89.7% |
| Uninsured deposits | 25.0% | 5.3% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vicksburg Railroad Federal Credit Union has the higher TellerScore (77 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Tensas State Bank 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.