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Vicksburg Railroad

Vicksburg, MS · Charter 24892

NCUA · 1 branch

Q2 2026

$12.0MAssets
$7.2MLoans
$8.0MShares
$3.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.26%, down 23 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.52% of loans (+22 bps YoY).
  • Capital: net worth / assets of 32.83%, up 32 bps from a year ago.
  • Funding: loans stand at 89.65% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.26%-23 bps YoY

Net Interest Margin (quarter, annualized)

4.27%+2 bps YoY

Efficiency Ratio (quarter, annualized)

92.98%+645 bps YoY

Net Worth / Assets

32.83%+32 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.44%0.48%0.23%0.26%-23 bps
Return on Equity1.49%1.35%1.49%0.72%0.78%-71 bps
Net Interest Margin4.25%4.22%4.24%4.19%4.27%+2 bps
Efficiency Ratio86.53%87.38%87.12%95.69%92.98%+645 bps
Growth
Asset Growth (YoY)6.52%-1.16%1.02%0.88%0.16%-636 bps
Loan Growth (YoY)-7.61%-5.47%-0.36%0.80%-2.58%+502 bps
Share Growth (YoY)8.90%-2.43%0.82%0.68%-0.27%-917 bps
Asset Quality
Delinquent Loans / Loans0.30%0.02%0.00%0.00%0.52%+22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital32.51%32.33%32.25%32.37%32.83%+32 bps
Net Worth / Assets32.51%32.33%32.25%32.37%32.83%+32 bps
Liquidity & Funding
Loans / Shares91.78%92.08%94.44%92.81%89.65%-213 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps