Vicksburg Railroad Federal Credit Union Vicksburg, Mississippi
Vicksburg Railroad Federal Credit Union is a federal credit union headquartered in Vicksburg, MS, established in 1934 (NCUA charter 24892), and it is regulated and insured by the NCUA. At Q2 2026 it reported 987 members and total assets of $12.0M (up 0.2% from Q2 2025), the 34th largest of 52 credit unions headquartered in Mississippi. Its net worth ratio was 32.83% at Q2 2026, in the well capitalized band.
Also written as Vicksburg Railroad FCU
BankRegReports is independent of Vicksburg Railroad Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24892
- Headquarters
- Vicksburg, MS
- Established
- 1934
- Total assets, Q2 2026
- $12.0M
- Assets vs Q2 2025
- +0.2%
- Members, Q2 2026
- 987
- Net worth ratio, Q2 2026
- 32.83%
- Latest call report
- Q2 2026, NCUA 5300 · Vicksburg Railroad Federal Credit Union call report
- Asset rank in state
- 34th of 52 in Mississippi
- Routing number
- 265378182
- Branches
- 1
It has 9 fewer members than on June 30, 2025 (-0.9%). Its net worth ratio was up 0.32 percentage points from 32.51% on June 30, 2025. Used vehicle loans are its largest loan category, $3.6M of $7.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.52% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 32.83% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Mississippi
Frequently asked about Vicksburg Railroad Federal Credit Union
How big is Vicksburg Railroad Federal Credit Union?
At Q2 2026 it reported total assets of $12.0M and 987 members.
Where is Vicksburg Railroad Federal Credit Union headquartered?
It is headquartered in Vicksburg, MS, United States.
When was Vicksburg Railroad Federal Credit Union founded?
It was established in 1934, per NCUA records.
Is Vicksburg Railroad Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24892): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Vicksburg Railroad Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Vicksburg Railroad Federal Credit Union well capitalized?
Its net worth ratio was 32.83% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Vicksburg Railroad Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.52% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Vicksburg Railroad Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 89.65% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Vicksburg, MS 39180
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1934
- NCUA Charter #
- 24892
- RSSD ID
- 984191
- Members
- 987
- Potential members
- 1,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 32.83% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.28% | 0.72% | 30th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 0.84% | 4.74% | 24th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.31% | 3.93% | 66th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 90.47% | 79.83% | 27th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.98% | 0.78% | 39th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.52% | 0.86% | 67th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.29% | 4.70% | 74th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 89.65% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$12.0M total assets against $11.9M; $8.0M total shares and deposits against $8.0M; $7.2M total loans against $7.4M.
$3.9M net worth against $3.9M.
32.83% net worth ratio against 32.51%.
89.65% loan-to-share ratio against 91.78%.
0.52% delinquency ratio against 0.30%.
0.28% return on assets against 0.51%; 0.84% return on equity against 1.57%.
4.31% net interest margin against 4.21%.
987 members against 996.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 32.83% | 0.28% | 0.52% | 89.65% |
| March 31, 2026 | 32.37% | 0.23% | — | 92.81% |
| December 31, 2025 | 32.25% | 0.62% | 0.00% | 94.44% |
| September 30, 2025 | 32.33% | 0.35% | 0.02% | 92.08% |
| June 30, 2025 | 32.51% | 0.51% | 0.30% | 91.78% |
| March 31, 2025 | 32.22% | 0.46% | 1.22% | 92.70% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.