VICKSBURG RAILROAD Credit Union Profile

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VICKSBURG RAILROAD

Charter #24892 | NCUA Region 2 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (601) 638-3134

Fax: (601) 638-3163

Founding Date: N/A

Website: http://www.vrcums.com

Personnel & Operations

President: Freeman, Jr., Hugh

Manager: Bell, David

FT Employees: 4

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 98

Branches: 1

Hours: M-F 9:00 am - 5:00 pm

Credit Union Profile Summary

VICKSBURG RAILROAD is a FCU Credit Union. With a total of 996 members [1], this institution manages approximately $11,940,499 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 32.51% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -7.61% [1].

Financial Snapshot

Total Assets [1]
$11,940,499

Total economic resources.

Total Loans [1]
$7,380,027

Total value of outstanding loans.

Total Deposits [1]
$8,040,819

Total funds deposited by members.

Members [1]
996

Number of active members.

Performance Ratios

Net Worth Ratio [1]
32.51%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.48%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
91.78%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 6.52%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -7.61%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -4.23%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2101 Cherry St

Vicksburg, MS, 39180-3805
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by VICKSBURG RAILROAD (Charter #24892).

Main Office

Vicksburg Railroad Credit Union Main Office

Type: Corporate Office

2101 Cherry St

Vicksburg, MS 39180-3805

Phone: (601) 638-3134

Services: Member Services, Drive-Thru

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