Federal credit union · Wampum, Pennsylvania · NCUA charter #2612
MULTI-SCHOOLS
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $5.2M
- Total assets
- 743
- Members
- 13.2%
- Net-worth ratio
MULTI-SCHOOLS scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.2M; members 743; net-worth ratio 13.16%; health rank #2,579 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,579 of 4,374 health · 2025Q4MULTI-SCHOOLS · health 81/100 · $5.2M · 2025Q4
Call Report peers
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MULTI-SCHOOLS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MULTI-SCHOOLS sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where MULTI-SCHOOLS diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 82.74% vs peer 63.60% (+19.14 pp).
- Largest lag: Net Worth Ratio at 13.16% vs peer 19.06% (-5.90 pp).
MULTI-SCHOOLS in Pennsylvania
- In Pennsylvania, health place is #140 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #237 of 275.
- Member book place in Pennsylvania: #235 of 275.
- One place up in Pennsylvania, Montoursville Area (#139) ties at 81/100; one place down, Bethlehem 1st (#141) ties at 81/100.
Quarter path for MULTI-SCHOOLS
MULTI-SCHOOLS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.6% from $5.2M (2025Q4) to $5.0M (2026Q1).
- Net-worth ratio shifted +0.49 pp (12.67% → 13.16%).
This credit union's 13.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
MULTI-SCHOOLS gives up 19 points in total. Delinquency Rate costs the most, 11.8 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.2 pts
- Return on Assets 15.0 pts
- Member Growth 7.3 pts
- Loan-to-Share Ratio 15.5 pts
MULTI-SCHOOLS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.16% | -5.90 pp |
| Delinquency Rate | 1.90% | +0.09 pp |
| Return on Assets | 0.53% | +0.07 pp |
| Member Growth | -0.93% | - |
| Loan-to-Share Ratio | 82.74% | +19.14 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
MULTI-SCHOOLS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.0M | - |
| 2025Q4 | $5.2M | 743 |
| 2024Q4 | $5.2M | 750 |
| 2023Q4 | $5.1M | 737 |
Credit Union Details
- Charter Number
- 2612
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Wampum
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, MULTI-SCHOOLS runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Wampum Main Office (Main Office) | Wampum, PA |
| Riverside High School Office | Ellwood City, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
MULTI-SCHOOLS nationwide neighbourhoods
Using this data
- MULTI-SCHOOLS ranks #2,579 of 4,374 nationally on financial health and #140 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Penn-Trafford School Emp. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Penn-Trafford School Emp.
Frequently Asked Questions
Is MULTI-SCHOOLS financially healthy?
MULTI-SCHOOLS has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,579 of 4,374 nationally on health and #140 of 275 in Pennsylvania. Its net worth ratio is 13.16% and its delinquency rate 1.90%.
How does MULTI-SCHOOLS compare to other credit unions?
MULTI-SCHOOLS scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (82.74% vs 63.60%). Its widest shortfall is net worth ratio (13.16% vs 19.06%).
How can I join MULTI-SCHOOLS?
MULTI-SCHOOLS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact MULTI-SCHOOLS directly for the exact boundaries and application steps.
Is my money safe at MULTI-SCHOOLS?
MULTI-SCHOOLS is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. MULTI-SCHOOLS's net worth ratio of 13.16% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.