Civic Intelligence

Vicksburg Railroad Credit Union

EIN 64-0304718 • 501(c)14 • Vicksburg, MS

View Organization Page

Profile

To promote thrift by affording

2101 Cherry StVicksburg, MS 39180

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

14th percentile

0.68x

Higher debt load relative to assets than 14% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

22nd percentile

11.81x

Higher debt load relative to revenue than 22% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

52nd percentile

8.9%

Higher net margin than 52% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

54th percentile

$85,008

Higher top officer pay than 54% of similar nonprofits.

Top officer pay equals 12.3% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Asset Growth

83rd percentile

6.0%

Faster asset growth than 83% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

52nd percentile

6.8%

Faster revenue growth than 52% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets14th percentile

Assets

Up

$12,005,650

Up $675,763 (+6.0%) from 2023

Liabilities

Up

$8,151,777

Up $609,494 (+8.1%) from 2023

Net Assets

Up

$3,853,873

Up $66,269 (+1.7%) from 2023

Operations
Liabilities / Revenue22nd percentileNet Margin52nd percentile

Revenue

Up

$690,191

Up $44,017 (+6.8%) from 2023

Expenses

Up

$628,540

Up $48,038 (+8.3%) from 2023

Net Income

Down

$61,651

Down $4,021 (-6.1%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth83rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2010: $13,368,596Liabilities 2010: $9,402,451Net Assets 2010: $3,966,1452010Assets 2011: $12,733,180Liabilities 2011: $8,782,136Net Assets 2011: $3,951,0442011Assets 2012: $12,324,441Liabilities 2012: $8,361,243Net Assets 2012: $3,963,1982012Assets 2013: $12,438,691Liabilities 2013: $8,520,487Net Assets 2013: $3,918,2042013Assets 2014: $12,166,459Liabilities 2014: $8,322,786Net Assets 2014: $3,843,6732014Assets 2015: $11,920,726Liabilities 2015: $8,086,980Net Assets 2015: $3,833,7462015Assets 2016: $11,762,895Liabilities 2016: $7,949,201Net Assets 2016: $3,813,6942016Assets 2017: $11,010,358Liabilities 2017: $7,227,793Net Assets 2017: $3,782,5652017Assets 2018: $10,821,736Liabilities 2018: $7,067,261Net Assets 2018: $3,754,4752018Assets 2019: $10,840,439Liabilities 2019: $7,032,997Net Assets 2019: $3,807,4422019Assets 2020: $11,509,536Liabilities 2020: $7,743,453Net Assets 2020: $3,766,0832020Assets 2021: $11,493,236Liabilities 2021: $7,746,652Net Assets 2021: $3,746,5842021Assets 2022: $11,689,462Liabilities 2022: $7,950,568Net Assets 2022: $3,738,8942022Assets 2023: $11,329,887Liabilities 2023: $7,542,283Net Assets 2023: $3,787,6042023Assets 2024: $12,005,650Liabilities 2024: $8,151,777Net Assets 2024: $3,853,8732024

Highlighted filing

2024

Assets$12,005,650
Liabilities$8,151,777
Net Assets$3,853,873
Open 2024 Filing

Operations Trend

Revenue Growth52nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$800K$600K$400K$200K$0-$200KExpenses 2010: $475,4242010Expenses 2011: $432,9272011Expenses 2012: $363,8752012Revenue 2013: $387,042Expenses 2013: $432,038Net Income 2013: -$44,9962013Revenue 2014: $387,085Expenses 2014: $461,616Net Income 2014: -$74,5312014Revenue 2015: $458,751Expenses 2015: $468,678Net Income 2015: -$9,9272015Revenue 2016: $490,869Expenses 2016: $510,919Net Income 2016: -$20,0502016Revenue 2017: $514,624Expenses 2017: $528,820Net Income 2017: -$14,1962017Revenue 2018: $473,688Expenses 2018: $475,678Net Income 2018: -$1,9902018Revenue 2019: $560,401Expenses 2019: $501,703Net Income 2019: $58,6982019Revenue 2020: $538,163Expenses 2020: $579,522Net Income 2020: -$41,3592020Revenue 2021: $476,693Expenses 2021: $496,192Net Income 2021: -$19,4992021Revenue 2022: $524,068Expenses 2022: $492,540Net Income 2022: $31,5282022Revenue 2023: $646,174Expenses 2023: $580,502Net Income 2023: $65,6722023Revenue 2024: $690,191Expenses 2024: $628,540Net Income 2024: $61,6512024

Highlighted filing

2024

Revenue$690,191
Expenses$628,540
Net Income$61,651
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$12,005,650
Liabilities
$8,151,777
Net assets
$3,853,873
Revenue
$690,191
Expenses
$628,540
Net income
$61,651
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.0$8.15$3.85$0.69$0.63$0.06
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.3$7.54$3.79$0.65$0.58$0.07
2022Detailed filing. Detailed filing data is available for this year.$11.7$7.95$3.74$0.52$0.49$0.03
2021Detailed filing. Detailed filing data is available for this year.$11.5$7.75$3.75$0.48$0.50$0.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.5$7.74$3.77$0.54$0.58$0.04
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.8$7.03$3.81$0.56$0.50$0.06
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.8$7.07$3.75$0.47$0.48$0.00
2017Detailed filing. Detailed filing data is available for this year.$11.0$7.23$3.78$0.51$0.53$0.01
2016Summary only. Only limited summary data is available for this year.$11.8$7.95$3.81$0.49$0.51$0.02
2015Detailed filing. Detailed filing data is available for this year.$11.9$8.09$3.83$0.46$0.47$0.01
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.2$8.32$3.84$0.39$0.46$0.07
2013Detailed filing. Detailed filing data is available for this year.$12.4$8.52$3.92$0.39$0.43$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.3$8.36$3.96$0.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.7$8.78$3.95$0.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.4$9.40$3.97$0.48
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 30, 2025
Return Version
2024v5.2
Gross Receipts
$690,191
Mission and Program Overview

Mission

To promote thrift by affording an opportunity to accumlate savings and to create a source of credit for provident or productive purpose.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$7,781,784$7,757,015▼ $24,769
Savings and Temporary Cash Investments$3,034,280$3,768,313▲ $734,033
Rtn Earn Endowment Incm Other Fnds$3,317,874$3,384,143▲ $66,269
Cap Stk Tr Prin Current Funds$469,730$469,730→ $0
Land, Buildings, and Equipment, Net$204,140$195,286▼ $8,854
Cash and Non-Interest-Bearing Accounts$69,324$40,182▼ $29,142
Prepaid Expenses and Deferred Charges$10,952$23,430▲ $12,478
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$11,329,887$12,005,650▲ $675,763
Other Assets Total$229,407$221,424▼ $7,983
Liabilities
Other Liabilities$7,534,691$8,138,799▲ $604,108
Accounts Payable and Accrued Expenses$7,592$12,978▲ $5,386
Total Liabilities$7,542,283$8,151,777▲ $609,494
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,787,604$3,853,873▲ $66,269
Total Liabilities and Net Assets / Fund Balance$11,329,887$12,005,650▲ $675,763

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$168,609$28,858$197,467
Equipment$-13,323$101,196$87,873
Land$40,000-$40,000
Compensation and Service Providers
Top Officer Pay54th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David BellCEOFT$82,830$2,178$85,008

Board Members and Trustees

NameTitle
Hugh FreemanPresident
Lee MusgroveVice President
Mike TannerMember
Amanda DavisSecretary
Jeff PeltzTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$476,813
Investment Income
$144,990
Other Revenue
$68,388
Change in Net Assets
$61,651
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$361,377
Salaries, Compensation, and Employee Benefits$267,163
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$215,336--$215,336
Fees for Services Management$48,934--$48,934
Other Employee Benefits$25,053--$25,053
Occupancy$19,950--$19,950
Fees for Services Accounting$19,500--$19,500
Payroll Taxes$17,047--$17,047
Information Technology$15,519--$15,519
Advertising$14,834--$14,834
Office Expenses$12,633--$12,633
Pension Plan Contributions$9,727--$9,727
Depreciation Depletion$9,487--$9,487
Other Expenses$6,822--$6,822
All Other Expenses$4,984--$4,984
Fees for Service Investment Mgmnt Fees$3,297--$3,297
Travel$1,516--$1,516
Fees for Services Legal$1,114--$1,114
Total Functional Expenses$628,540$0$0$628,540
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$4,908,070
Member Cds$2,455,807
Member Iras$446,626
Member Share Drafts$328,296
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“This is a not-for-profit corporation with members of a single class. Each member attending the annual meeting has 1 vote for each position open on the board of directors and supervisory committee.”

Form 990, Part VI, Section A, Line 7A

“This is a not-for-profit corporation with members of a single class. Each member attending the annual meeting has 1 vote for each position open on the board of directors and supervisory committee.”

Form 990, Part VI, Section B, Line 11B

“Board reviewed form 990 before filing and received a copy after filing.”

Form 990, Part VI, Section B, Line 15

“The ceo's salary is set & reviewed at least annually by the board of directors and compared with the salary reports of other similar credit union staff provided by mcua-salary survey. All other employee salaries are set and reviewed at least annually by the board of directors and also compared with salary reports of other credit union staff.”

Form 990, Part VI, Section C, Line 19

“AS REQUESTED”

Filing and Contact Details

Filer

Filer Name
Vicksburg Railroad Credit Union
EIN
64-0304718
Phone
6016383134
Address
2101 CHERRY ST, VICKSBURG, MS 39180

Signing Officer

Name
David Bell
Title
CEO
Phone
6016383134
Signed
2025-10-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Bell
Formed
1934
Legal Domicile
Ms
Voting Board Members
5
Independent Board Members
5
Employees
5
Volunteers
0

Preparer

Firm
Boolos Oakes CPA Firm
Address
1007 MISSION PARK DR, VICKSBURG, MS 39180
Preparer
Andy Oakes CPA
Phone
6016366996
Raw XML Appendix353 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt07592
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt012978
IRS990/AccountsReceivableGrp/BOYAmt07781784
IRS990/AccountsReceivableGrp/EOYAmt07757015
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROMOTE THRIFT BY AFFORDING AN OPPORTUNITY TO ACCUMLATE SAVINGS AND TO CREATE A SOURCE OF CREDIT FOR PROVIDENT OR PRODUCTIVE PURPOSE.
IRS990/AdvertisingGrp/ProgramServicesAmt014834
IRS990/AdvertisingGrp/TotalAmt014834
IRS990/AllOtherExpensesGrp/ProgramServicesAmt04984
IRS990/AllOtherExpensesGrp/TotalAmt04984
IRS990/BooksInCareOfDetail/PersonNm0DAVID BELL
IRS990/BooksInCareOfDetail/PhoneNum06016383134
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02101 CHERRY ST
IRS990/BooksInCareOfDetail/USAddress/CityNm0VICKSBURG
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MS
IRS990/BooksInCareOfDetail/USAddress/ZIPCd039180
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt0469730
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt0469730
IRS990/CashNonInterestBearingGrp/BOYAmt069324
IRS990/CashNonInterestBearingGrp/EOYAmt040182
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0144990
IRS990/CYOtherExpensesAmt0361377
IRS990/CYOtherRevenueAmt068388
IRS990/CYProgramServiceRevenueAmt0476813
IRS990/CYRevenuesLessExpensesAmt061651
IRS990/CYSalariesCompEmpBnftPaidAmt0267163
IRS990/CYTotalExpensesAmt0628540
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0690191
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt09487
IRS990/DepreciationDepletionGrp/TotalAmt09487
IRS990/Desc0THE CORPORATION CONTINUED ITS OPERATION OF THE CREDIT UNION. IT RECEIVED DEPOSITS AND INVESTMENTS ALONG WITH MAKING SOME ADDITIONAL LOANS DURING YEAR 2017.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt0628540
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt019500
IRS990/FeesForServicesAccountingGrp/TotalAmt019500
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt01114
IRS990/FeesForServicesLegalGrp/TotalAmt01114
IRS990/FeesForServicesManagementGrp/ProgramServicesAmt048934
IRS990/FeesForServicesManagementGrp/TotalAmt048934
IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt03297
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt03297
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt42178
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/PersonNm0HUGH FREEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1LEE MUSGROVE
IRS990/Form990PartVIISectionAGrp/PersonNm2AMANDA DAVIS
IRS990/Form990PartVIISectionAGrp/PersonNm3MIKE TANNER
IRS990/Form990PartVIISectionAGrp/PersonNm4DAVID BELL
IRS990/Form990PartVIISectionAGrp/PersonNm5JEFF PELTZ
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt482830
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0690191
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt015519
IRS990/InformationTechnologyGrp/TotalAmt015519
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0144990
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0144990
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0130054
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0204140
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0195286
IRS990/LandBldgEquipCostOrOtherBssAmt0325340
IRS990/LegalDomicileStateCd0MS
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROMOTE THRIFT BY AFFORDING AN OPPORTUNITY TO ACCUMLATE SAVINGS AND TO CREATE A SOURCE OF CREDIT FOR PROVIDENT OR PRODUCTIVE PURPOSE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt03787604
IRS990/NetAssetsOrFundBalancesEOYAmt03853873
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt02000
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt019950
IRS990/OccupancyGrp/TotalAmt019950
IRS990/OfficeExpensesGrp/ProgramServicesAmt012633
IRS990/OfficeExpensesGrp/TotalAmt012633
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0229407
IRS990/OtherAssetsTotalGrp/EOYAmt0221424
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt025053
IRS990/OtherEmployeeBenefitsGrp/TotalAmt025053
IRS990/OtherExpensesGrp/Desc0DIVIDENDS
IRS990/OtherExpensesGrp/Desc1OTHER FEES, EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/ProgramServicesAmt0113974
IRS990/OtherExpensesGrp/ProgramServicesAmt180395
IRS990/OtherExpensesGrp/ProgramServicesAmt28418
IRS990/OtherExpensesGrp/ProgramServicesAmt36822
IRS990/OtherExpensesGrp/TotalAmt0113974
IRS990/OtherExpensesGrp/TotalAmt180395
IRS990/OtherExpensesGrp/TotalAmt28418
IRS990/OtherExpensesGrp/TotalAmt36822
IRS990/OtherLiabilitiesGrp/BOYAmt07534691
IRS990/OtherLiabilitiesGrp/EOYAmt08138799
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0FEES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt068388
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt068388
IRS990/OtherRevenueTotalAmt068388
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0215336
IRS990/OtherSalariesAndWagesGrp/TotalAmt0215336
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ProgramServicesAmt017047
IRS990/PayrollTaxesGrp/TotalAmt017047
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt09727
IRS990/PensionPlanContributionsGrp/TotalAmt09727
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt010952
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt023430
IRS990/PrincipalOfficerNm0DAVID BELL
IRS990/PriorPeriodAdjustmentsAmt02618
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0476813
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0476813
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0128673
IRS990/PYOtherExpensesAmt0323143
IRS990/PYOtherRevenueAmt070041
IRS990/PYProgramServiceRevenueAmt0447460
IRS990/PYRevenuesLessExpensesAmt065672
IRS990/PYSalariesCompEmpBnftPaidAmt0257359
IRS990/PYTotalExpensesAmt0580502
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0646174
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt061651
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03317874
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03384143
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03034280
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03768313
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0168609
IRS990ScheduleD/BuildingsGrp/DepreciationAmt028858
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0197467
IRS990ScheduleD/EquipmentGrp/BookValueAmt0-13323
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0101196
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt087873
IRS990ScheduleD/LandGrp/BookValueAmt040000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt040000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04908070
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1328296
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2446626
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32455807
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBER SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MEMBER IRAS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MEMBER CDS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0195286
IRS990ScheduleD/TotalLiabilityAmt08138799
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THIS IS A NOT-FOR-PROFIT CORPORATION WITH MEMBERS OF A SINGLE CLASS. EACH MEMBER ATTENDING THE ANNUAL MEETING HAS 1 VOTE FOR EACH POSITION OPEN ON THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THIS IS A NOT-FOR-PROFIT CORPORATION WITH MEMBERS OF A SINGLE CLASS. EACH MEMBER ATTENDING THE ANNUAL MEETING HAS 1 VOTE FOR EACH POSITION OPEN ON THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD REVIEWED FORM 990 BEFORE FILING AND RECEIVED A COPY AFTER FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CEO'S SALARY IS SET & REVIEWED AT LEAST ANNUALLY BY THE BOARD OF DIRECTORS AND COMPARED WITH THE SALARY REPORTS OF OTHER SIMILAR CREDIT UNION STAFF PROVIDED BY MCUA-SALARY SURVEY. ALL OTHER EMPLOYEE SALARIES ARE SET AND REVIEWED AT LEAST ANNUALLY BY THE BOARD OF DIRECTORS AND ALSO COMPARED WITH SALARY REPORTS OF OTHER CREDIT UNION STAFF.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AS REQUESTED
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt011329887
IRS990/TotalAssetsEOYAmt012005650
IRS990/TotalAssetsGrp/BOYAmt011329887
IRS990/TotalAssetsGrp/EOYAmt012005650
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0628540
IRS990/TotalFunctionalExpensesGrp/TotalAmt0628540
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07542283
IRS990/TotalLiabilitiesEOYAmt08151777
IRS990/TotalLiabilitiesGrp/BOYAmt07542283
IRS990/TotalLiabilitiesGrp/EOYAmt08151777
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03787604
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03853873
IRS990/TotalOtherCompensationAmt02178
IRS990/TotalProgramServiceExpensesAmt0628540
IRS990/TotalProgramServiceRevenueAmt0476813
IRS990/TotalReportableCompFromOrgAmt082830
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0690191
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0690191
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011329887
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012005650
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt01516
IRS990/TravelGrp/TotalAmt01516
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02101 CHERRY ST
IRS990/USAddress/CityNm0VICKSBURG
IRS990/USAddress/StateAbbreviationCd0MS
IRS990/USAddress/ZIPCd039180
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.VRCUMS.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID BELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06016383134
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0VICKSBURG RAILROAD CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0VICK
ReturnHeader/Filer/EIN0640304718
ReturnHeader/Filer/PhoneNum06016383134
ReturnHeader/Filer/USAddress/AddressLine1Txt02101 CHERRY ST
ReturnHeader/Filer/USAddress/CityNm0VICKSBURG
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MS
ReturnHeader/Filer/USAddress/ZIPCd039180
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0640900167
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BOOLOS OAKES CPA FIRM
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01007 MISSION PARK DR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0VICKSBURG
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd039180
ReturnHeader/PreparerPersonGrp/PhoneNum06016366996
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-30
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANDY OAKES CPA
ReturnHeader/ReturnTs02025-10-31T09:19:34-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.