BlastPoint's Credit Union Scorecard
VICKSBURG RAILROAD
Charter #24892 · MS
VICKSBURG RAILROAD has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 0.18% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 4.5% in tier
- + Loan-to-Share Ratio: Top 6.3% in tier
- + Member Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.06% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,040
+4.3% YoY+3.7% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
29% |
| Assets |
$12.1M
+0.9% YoY-0.2% QoQ
|
$-18.1M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
36% |
| Loans |
$7.6M
+0.8% YoY-2.1% QoQ
|
$-7.7M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$8.2M
+0.7% YoY-0.4% QoQ
|
$-17.6M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
32% |
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| ROA |
0.2%
-49.0% YoY-51.8% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
31% |
| NIM |
4.2%
-1.8% YoY-1.7% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
95.7%
+13.1% YoY+9.8% QoQ
|
+5.1% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
79% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
92.8%
+0.1% YoY-1.7% QoQ
|
+34.3% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Top 6.4% in tier |
| AMR |
$15,152
-3.4% YoY-4.7% QoQ
|
+$268 |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
31.5%
-0.3% YoY-6.2% QoQ
|
+7.3% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)