MULTI-SCHOOLS
Charter #2612 · Wampum, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.87% sits at the 82nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 61st — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MULTI-SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.01M | 60th pct | 39th pct |
| Members | 734 | 64th pct | 46th pct |
| Net worth ratio | 13.16% | 27th pct | 44th pct |
| Return on average assets | 0.07% | 35th pct | 28th pct |
| Net interest margin | 4.29% | 58th pct | 46th pct |
| Cost of funds | 1.50% | 78th pct | 70th pct |
| Loan-to-share | 83.98% | 82th pct | 61th pct |
| Delinquency 60+ days | 1.66% | 63th pct | 67th pct |
| Net charge-off ratio | 0.87% | 85th pct | 82th pct |
| Loan growth YoY | -2.55% | 63th pct | 48th pct |
| Share growth YoY | -5.52% | 15th pct | 10th pct |
| Efficiency ratio | 85.29% | 48th pct | 66th pct |
structural peer set hash: 7d9a7c70f673f32e1a2517d239e24990… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.