Multi-Schools

Wampum, PA · 1 · Charter #2612 · www.multischoolsfcu.org/
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$5.2M
25th percentile
Members
743
27th percentile
Total loans
$3.7M
36th percentile
Total shares
$4.5M
28th percentile

Profitability

Return on assets
0.61%
41th percentile
Net interest margin
4.34%
64th percentile
Efficiency ratio
68.95%
45th percentile
Non-interest income ratio
5.23%
35th percentile

Capital & Risk

Net worth ratio
12.67%
35th percentile
Delinquency rate
1.90%
26th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
82.74%
80th percentile

Growth

Member growth YoY
-0.93%
55th percentile
Asset growth YoY
0.50%
45th percentile
Loan growth YoY
-2.14%
54th percentile
Share growth YoY
-0.14%
46th percentile

Operations

Members / branch
372
17th percentile
Assets / member
$6,993
30th percentile
Field of membership penetration
59.68%
76th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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