Headquartered in Vicksburg, Mississippi, Vicksburg Railroad Federal Credit Union is a federal credit union with $12.0M in total assets and $8.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1934.
Vicksburg Railroad Federal Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 24th. Capital cushion contributes the most (100/100, 32.83%); earnings contributes the least (30/100, 0.26%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (80 → 77), mostly because the earnings component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 81 |
| Q4 2024 | 79 |
| Q1 2025 | 72 |
| Q2 2025 | 80 |
| Q3 2025 | 82 |
| Q4 2025 | 83 |
| Q1 2026 | 81 |
| Q2 2026 | 77 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 34.06% |
| Q3 2024 | 31.46% |
| Q4 2024 | 32.09% |
| Q1 2025 | 32.22% |
| Q2 2025 | 32.51% |
| Q3 2025 | 32.33% |
| Q4 2025 | 32.25% |
| Q1 2026 | 32.37% |
| Q2 2026 | 32.83% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.52% |
| Q1 2025 | 1.22% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.52% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.48% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.48% |
| Q1 2026 | 0.23% |
| Q2 2026 | 0.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $12.0M | 32.83% | 0.52% | 0.26% | 89.7% |
| Q1 2026 | 81 | $12.1M | 32.37% | 0.00% | 0.23% | 92.8% |
| Q4 2025 | 83 | $12.1M | 32.25% | 0.00% | 0.48% | 94.4% |
| Q3 2025 | 82 | $12.0M | 32.33% | 0.02% | 0.44% | 92.1% |
| Q2 2025 | 80 | $11.9M | 32.51% | 0.30% | 0.48% | 91.8% |
| Q1 2025 | 72 | $12.0M | 32.22% | 1.22% | 0.46% | 92.7% |
| Q4 2024 | 79 | $12.0M | 32.09% | 0.52% | 0.54% | 95.6% |
| Q3 2024 | 81 | $12.2M | 31.46% | 0.19% | 0.48% | 95.0% |
| Q2 2024 | 80 | $11.2M | 34.06% | 0.14% | 0.53% | 108.2% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Biloxi Teachers Federal Credit UnionCredit union Biloxi, MS | 83 out of 100, Strong | $12.1M | 11.9% | 0.25% | vs |
| First Unity Federal Credit UnionCredit union McComb, MS | 58 out of 100, Moderate | $11.7M | 14.0% | 26.52% | vs |
| Vickswood Federal Credit UnionCredit union Vicksburg, MS | 94 out of 100, Very strong | $11.5M | 25.8% | 0.00% | vs |
| Mississippi Highway Safty Pat Federal Credit UnionCredit union Jackson, MS | 69 out of 100, Moderate | $13.1M | 28.4% | 6.62% | vs |
| Healthplus Federal Credit UnionCredit union Jackson, MS | 24 out of 100, Low | $10.5M | 8.3% | 8.53% | vs |
| Mississippi Dhs Federal Credit UnionCredit union Jackson, MS | 58 out of 100, Moderate | $10.5M | 13.2% | 1.79% | vs |
Deposit insurance
Is my money safe at Vicksburg Railroad Federal Credit Union?
Yes. Vicksburg Railroad Federal Credit Union is a federally insured credit union (NCUA charter #24892). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 5.3% of shares and deposits ($427K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 32.83%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Vicksburg Railroad Federal Credit Union lists 1 office in 1 city. Most locations:
- Vicksburg, MS (1)
Identity & history
Profile
- Legal name
- Vicksburg Railroad Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24892
- RSSD ID
- 984191
- Primary regulator
- NCUA
- Established
- 1934
- Headquarters
- P O Box 802, Vicksburg, MS 39181
- Employees
- 4
Quick answers
Vicksburg Railroad Federal Credit Union: common questions
Is Vicksburg Railroad Federal Credit Union NCUA insured?
Yes. Vicksburg Railroad Federal Credit Union is a federally insured credit union (NCUA charter #24892). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Vicksburg Railroad Federal Credit Union's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Vicksburg Railroad Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Vicksburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vickswood Federal Credit UnionCredit union Vicksburg, MS | 94 out of 100, Very strong | $11.5M | 25.8% | 0.00% | vs |
| Mutual Federal Credit UnionCredit union Vicksburg, MS | 84 out of 100, Strong | $528.5M | 14.0% | 1.08% | vs |
| RiverHills BankBank Vicksburg, MS | 82 out of 100, Strong | $445.2M | 12.5% | 0.64% | vs |
| Riverland Federal Credit UnionCredit union New Orleans, LA | 78 out of 100, Strong | $319.7M | 15.8% | 0.55% | vs |
| United Mississippi BankBank Natchez, MS | 75 out of 100, Strong | $560.7M | 11.0% | 0.19% | vs |
| Planters Bank & Trust CompanyBank Indianola, MS | 71 out of 100, Strong | $2.7B | 11.2% | 0.61% | vs |