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
- BOOK 81/100
- CHARTER 13.2%
- NCUSIF 1.90%
- CAMELS 0.53%
- HEALTH $5.2M
- NW 743
- DELQ #2,579/4,374
- ROA n/a
- ASSETS 2612
Call Report peers
MULTI-SCHOOLS carries $5.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MULTI-SCHOOLS vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
MULTI-SCHOOLS - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #2612, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for MULTI-SCHOOLS
MULTI-SCHOOLS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.6% from $5.2M (2025Q4) to $5.0M (2026Q1).
- Net-worth ratio shifted +0.49 pp (12.67% → 13.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for MULTI-SCHOOLS - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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.
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is MULTI-SCHOOLS financially healthy?
MULTI-SCHOOLS has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,579 of 4,374; by total assets it ranks #3,873 of 4,374 nationally (same basis as /rankings/largest); and #237 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.16% and delinquency rate of 1.90%.
How does MULTI-SCHOOLS compare to other credit unions?
On PlainCU's health composite, MULTI-SCHOOLS lands at 81/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like MULTI-SCHOOLS are 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."
What rates does MULTI-SCHOOLS offer compared to banks?
Credit unions like MULTI-SCHOOLS are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact MULTI-SCHOOLS directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.