VICKSWOOD
Charter #24876 · Vicksburg, MS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 25.49% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 23rd percentile but its structural peers at the 57th — a 34-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VICKSWOOD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.47M | 7th pct | 39th pct |
| Members | 1,466 | 23th pct | 57th pct |
| Net worth ratio | 25.49% | 95th pct | 84th pct |
| Return on average assets | 1.12% | 73th pct | 62th pct |
| Net interest margin | 3.95% | 56th pct | 49th pct |
| Cost of funds | 0.37% | 24th pct | 34th pct |
| Loan-to-share | 57.26% | 50th pct | 52th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 23th pct | 18th pct |
| Loan growth YoY | -3.32% | 43th pct | 56th pct |
| Share growth YoY | 2.42% | 49th pct | 62th pct |
| Efficiency ratio | 77.07% | 41th pct | 51th pct |
structural peer set hash: 97c2596364ffc896d9adc10e1abf8e65… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.