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VICKSBURG RAILROAD FEDERAL CREDIT UNION

Mar, 31, 2021 — VICKSBURG RAILROAD FEDERAL CREDIT UNION is a federal credit union headquartered in Vicksburg, MS with 1 branch location and about $11.62 million in total assets. Opened 87 years ago in 1934, VICKSBURG RAILROAD FEDERAL CREDIT UNION has about 1,087 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.


ABA Routing Number: 265378182
Name:VICKSBURG RAILROAD FEDERAL CREDIT UNION
Address:
(Main Office)
P O Box 802
Vicksburg, MS 39181-0802
Phone:(601) 638-3134
Fax:(601) 638-3163
Website:http://www.vrcums.com
Branches:1 branch locations
Members:1,087
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$11,622,297
CEO/Manager:David H Bell
Chairperson:Hugh J Freeman, Jr.

Call Report

  • Pay Day Loans
  • Real Estate Loans
  • Risk Based Loans
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 2,549,885
TOTAL INVESTMENTS 2,107,342
Loans Held for Sale 0
 
 Real Estate Loans 999,991
 Unsecured Loans 685,682
 Other Loans 5,021,493
 TOTAL LOANS 6,707,166
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -36,364
 Land And Building 151,302
 Other Fixed Assets 8,658
 NCUSIF Deposit 68,039
 All Other Assets 66,269
  TOTAL ASSETS 11,622,297
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 24,184
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 331,212
 Regular shares 5,617,088
 All Other Shares & Deposits 1,908,558
  TOTAL SHARES & DEPOSITS 7,856,858
  TOTAL LIABILITIES 7,881,042
 Regular Reserve 469,730
 Other Reserves 0
 Undivided Earnings 3,271,525
  TOTAL EQUITY 3,741,255
  TOTAL LIABILITIES, SHARES, & EQUITY 11,622,297
INCOME & EXPENSE  
 Loan Income 96,735
 Investment Income 5,423
 Other Income 10,706
 Total Employee Compensation & Benefits 63,119
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 53,231
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 16,160
 Cost of Funds 11,727
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -29,253
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