Overview / Commentary
814-535-3116
15 Irene St
Johnstown, PA 15905-4124

Merho Federal Credit Union is headquartered in Johnstown and is the 119th largest credit union in the state of Pennsylvania. It is also the 2,404th largest credit union in the nation. It was established in 1972 and as of June of 2018, it had grown to 9 employees and 5,275 members at 2 locations. Merho Federal Credit Union's CD rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

MERHO Federal Credit Union serves the following membership base: Employees and immediate family members by blood or marriage of the following groups: ** Atlantic Broadband – Johnstown ** Bishop McCort High School ** Cambria Residential Services ** Cardiology Associates of Johnstown ** Conemaugh Health Initiatives Inc. (CHI) ** Dynamic Design ** Good Samaritan Medical Center \** Laurelwood Convalescent Center ** Memorial Medical Center ** Meyersdale Medical Center ** Mt Aloysius College ** Presbyterian Home ** Senior Life Johnstown ** Valley Pike Manor Inc. ** Windber Medical Center ** Medical Office Employees associated with any of the above
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Merho Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #20921
Year Chartered1972
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD4.22%
Annual Interest Income$633.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$46.8MM$47.8MM
LoansQ2 2018vs Q2 2017$15.9MM$16.4MM
DepositsQ2 2018vs Q2 2017$41.8MM$43.0MM
Equity CapitalQ2 2018vs Q2 2017$5.0MM$4.8MM
Loan Loss AllowanceQ2 2018vs Q2 2017$81.00K$71.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$53.00K$64.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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Merho Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%--IRA Savings
0.10%$5-Regular Share
0.10%$5-Christmas Club

Merho Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.79%$10k-24 Month CD Special
2.02%$10k-12 Month CD Special
1.00%--36 Month CD
0.50%--12 Month CD
0.25%--6 Month CD

Merho Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--36 Month CD
0.50%--12 Month CD
0.25%--6 Month CD
Locations


Merho Federal Credit Union Locations
Branch Office15 Irene StJohnstown, PA 15905-4124
Branch Office194 Donald Ln Ste 2Johnstown, PA 15904-2840

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