Sep, 30, 2025 — VICKSBURG RAILROAD FEDERAL CREDIT UNION is a federal credit union headquartered in VICKSBURG, MS with 1 branch location and about $12.04 million in total assets. Opened 92 years ago in 1934, VICKSBURG RAILROAD FEDERAL CREDIT UNION has about 1,004 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VICKSBURG RAILROAD FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2101 Cherry St VICKSBURG, MS 39180-3805 |
| Phone: | (601) 638-3134 |
| Fax: | (601) 638-3163 |
| Website: | https://www.vrcums.com |
| Branches: | 1 branch locations |
| Members: | 1,004 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24892 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1934 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $12,037,357 |
| CEO/Manager: | David H Bell |
| Chairperson: | Hugh J Freeman, Jr. |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 511,175 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 620,873 |
| Unsecured Loans | 587,252 |
| Other Loans | 6,274,786 |
| TOTAL LOANS | 7,482,911 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -12,970 |
| Land And Building | 184,176 |
| Other Fixed Assets | 5,406 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 77,934 |
| All Other Assets | 15,000 |
| TOTAL ASSETS | 12,037,357 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 19,278 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 324,865 |
| Regular shares | 4,770,698 |
| All Other Shares & Deposits | 3,030,569 |
| TOTAL SHARES & DEPOSITS | 8,126,133 |
| TOTAL LIABILITIES | 8,145,411 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 3,891,946 |
| TOTAL EQUITY | 3,891,946 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 12,037,357 |
| INCOME & EXPENSE | |
| Loan Income | 350,090 |
| Investment Income | 135,585 |
| Other Income | 52,822 |
| Total Employee Compensation & Benefits | 201,259 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 187,068 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 16,766 |
| Cost of Funds | 104,967 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 39,313 |
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