MERHO
Federal • Johnstown, Pennsylvania • Est. 1972
Quick Facts
- Charter Number
- #20921
- Type
- Federal
- Established
- 1972
- Headquarters
- Johnstown, Pennsylvania 15905-4124
- Address
- 15 Irene St
- Branches
- 2
- Members
- 4,738
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
4,738 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MERHO |
|---|---|
| Total Assets | $61.1M |
| Members | 4,738 |
| Loans Outstanding | $15.6M |
| Shares & Deposits | $54.7M |
| Net Worth | $6.7M |
| Net Worth Ratio | 11.01% |
| Loan-to-Share Ratio | 28.6% |
| Delinquency Rate | 0.28% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations
MERHO Federal Credit Union
Main Office15 Irene St
Johnstown, PA 15905-4124
MERHO Federal Credit Union
194 Donald Ln Ste 2
Johnstown, PA 15904-2840
Who Can Join MERHO?
Membership Type: Community
Membership eligibility for MERHO may vary. Contact the credit union directly to confirm qualification requirements.
Contact MERHO directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Pennsylvania
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Pennsylvania RankingsFrequently Asked Questions
MERHO is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, MERHO has 4,738 members and a potential membership field of 8,000 people.
MERHO's reported net worth ratio is 11.01% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
MERHO operates 2 branch locations. The main office is located at 15 Irene St, Johnstown, PA 15905-4124.
MERHO was established in 1972. It is a federal credit union chartered under charter number 20921. The institution has been serving members for 54 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or MERHO. All financial data is for informational purposes only.