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
- 4,779
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
4,779 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MERHO |
|---|---|
| Total Assets | $59.4M |
| Members | 4,779 |
| Loans Outstanding | $16.4M |
| Shares & Deposits | $53.1M |
| Net Worth | $6.5M |
| Net Worth Ratio | 11.00% |
| Loan-to-Share Ratio | 30.8% |
| Delinquency Rate | 0.47% |
| Net Income | +$434,272 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Pennsylvania RankingsFrequently Asked Questions
Yes. MERHO is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MERHO has 4,779 members and a potential membership field of 8,000 people.
MERHO's net worth ratio is 11.00% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.0%, MERHO meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MERHO. All financial data is for informational purposes only.