Credit Union Safety Analysis
Is Multi-Schools Federal Credit Union Safe? Wampum, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Multi-Schools Federal Credit Union has a net worth ratio of 13.27%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.09%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Multi-Schools Federal Credit Union's net worth ratio is 13.27%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.27%
- Delinquency ratio (60+ days) (Q2 2026): 1.09%
- Return on assets (Q2 2026): -0.79%
- Loan-to-share ratio (Q2 2026): 83.15%
Multi-Schools Federal Credit Union (NCUA charter 2612, established 1938) reported $4.9M in assets and 721 members for Q2 2026 from Wampum, Pennsylvania. It ranks 235 of 269 credit unions in Pennsylvania by total assets. Total assets fell 7.3% from $5.3M on June 30, 2025. It has 24 fewer members than on June 30, 2025 (-3.2%). Its net worth ratio was up 1.08 percentage points from 12.19% on June 30, 2025. Used vehicle loans are its largest loan category, $2.0M of $3.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.09% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 13.16% for Q1 2026; 12.19% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.66% for Q1 2026; 0.84% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.07% for Q1 2026; 0.33% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 83.98% for Q1 2026; 83.22% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.0M
- New vehicle loans: $903K
- Other unsecured loans and lines of credit: $446K
- Other secured non-real estate loans and lines of credit: $216K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.9M | 13.27% | 1.09% | -0.79% | 83.15% |
| March 31, 2026 | $5.0M | 13.16% | 1.66% | 0.07% | 83.98% |
| December 31, 2025 | $5.2M | 12.67% | 1.90% | 0.99% | 82.74% |
| September 30, 2025 | $5.3M | 12.28% | 1.25% | 0.16% | 81.42% |
| June 30, 2025 | $5.3M | 12.19% | 0.84% | 0.33% | 83.22% |
| March 31, 2025 | $5.2M | 12.33% | 0.95% | 0.93% | 83.89% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Multi-Schools Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 2612) · FFIEC NIC profile (RSSD 957177)
Frequently asked questions
Is Multi-Schools Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Multi-Schools Federal Credit Union's net worth ratio is 13.27%, above the 7% NCUA threshold for well capitalized.
Is Multi-Schools Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Multi-Schools Federal Credit Union is a federally insured credit union (NCUA charter 2612): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Multi-Schools Federal Credit Union's key safety ratios?
For Q2 2026, Multi-Schools Federal Credit Union reports net worth 13.27%, delinquency 1.09%, ROA -0.79%, loan-to-share 83.15%.
What happens to my money if Multi-Schools Federal Credit Union fails?
For Q2 2026, Multi-Schools Federal Credit Union held $4.2M in shares and deposits for 721 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.