VICKSBURG RAILROAD
Charter #24892 · Vicksburg, MS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 32.37% 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 -0.06% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 95.69% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 57th — a 48-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 | VICKSBURG RAILROAD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.10M | 10th pct | 57th pct |
| Members | 1,040 | 6th pct | 51th pct |
| Net worth ratio | 32.37% | 98th pct | 84th pct |
| Return on average assets | 0.23% | 28th pct | 28th pct |
| Net interest margin | 4.18% | 66th pct | 33th pct |
| Cost of funds | 1.51% | 78th pct | 74th pct |
| Loan-to-share | 92.81% | 96th pct | 64th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.06% | 12th pct | 11th pct |
| Loan growth YoY | 1.37% | 79th pct | 80th pct |
| Share growth YoY | 0.58% | 31th pct | 41th pct |
| Efficiency ratio | 95.69% | 84th pct | 75th pct |
structural peer set hash: ee45019807b128b459c07c4151ecb2c1… (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.