Side-by-side · Q2 2026 data
Vicksburg Railroad Federal Credit Union vs Mutual Federal Credit Union
Credit union
Vicksburg Railroad Federal Credit Union
Vicksburg, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Vicksburg Railroad Federal Credit Union | Mutual Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 90 |
| Loan quality | 83 (stronger) | 64 |
| Earnings | 30 | 88 (stronger) |
| Funding & liquidity | 71 | 96 (stronger) |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 57th | 86th |
| Total assets | $12.0M | $528.5M |
| Deposits / shares | $8.0M | $458.9M |
| Capital ratio | 32.83% (stronger) | 13.98% |
| Problem loans | 0.52% (stronger) | 1.08% |
| Net charge-offs | 0.11% (stronger) | 0.85% |
| Return on assets | 0.26% | 1.69% (stronger) |
| Loans ÷ deposits | 89.7% | 64.1% (stronger) |
| Uninsured deposits | 5.3% (stronger) | 5.4% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mutual Federal Credit Union has the higher TellerScore (84 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Vicksburg Railroad Federal Credit Union leads on 4 and Mutual 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.