Vicksburg Railroad
Vicksburg, MS · Charter 24892 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$12.0MAssets
$7.2MLoans
$8.0MShares
$3.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 98% of credit unions under $1B in assets (rank 36 of 1683).
- Widest gap: efficiency ratio trails 87% of credit unions under $1B in assets (rank 1457 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.25%
Rank 1,349 of 1,683
Net Interest Margin
4.28%
Rank 446 of 1,683
Efficiency Ratio
92.96%
Rank 1,457 of 1,682
Equity / Assets
32.83%
Rank 36 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.25% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,349 / 1,683 | | |
| Return on Equity | 0.76% | 2.67% | 5.89% | 8.74% | Beats 14% | 1,447 / 1,681 | | |
| Net Interest Margin | 4.28% | 3.31% | 3.82% | 4.32% | Beats 73% | 446 / 1,683 | | |
| Efficiency Ratio | 92.96% | 68.91% | 78.20% | 86.93% | Beats 13% | 1,457 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.51% | 0.26% | 0.65% | 1.29% | Beats 58% | 703 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 32.83% | 10.44% | 12.89% | 16.53% | Beats 98% | 36 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 32.83% | 10.44% | 12.89% | 16.53% | Beats 98% | 36 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.65% | 52.61% | 69.38% | 83.50% | 85th pctl | 249 / 1,683 | | |
| Loans / Assets | 60.11% | 44.71% | 59.18% | 70.72% | 52nd pctl | 809 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |