Side-by-side · Q2 2026 data
United Mississippi 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 | United Mississippi Bank | Vicksburg Railroad Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 77 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 94 (stronger) | 83 |
| Earnings | 66 (stronger) | 30 |
| Funding & liquidity | 71 | 71 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 61st | 57th |
| Total assets | $560.7M | $12.0M |
| Deposits / shares | $478.9M | $8.0M |
| Capital ratio | 11.04% | 32.83% (stronger) |
| Problem loans | 0.19% (stronger) | 0.52% |
| Net charge-offs | 0.05% (stronger) | 0.11% |
| Return on assets | 1.15% (stronger) | 0.26% |
| Loans ÷ deposits | 85.7% (stronger) | 89.7% |
| Uninsured deposits | 18.6% | 5.3% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vicksburg Railroad Federal Credit Union has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), United Mississippi 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.