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

Merho Federal Credit Union is headquartered in Johnstown and is the 117th 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 September of 2017, it had grown to 8 employees and 5,332 members at 2 locations. Merho Federal Credit Union 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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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

NCUA #20921
Year Chartered1972
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD4.07%
Annual Interest Income$900.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$46.8MM$45.6MM
LoansQ3 2017vs Q3 2016$17.0MM$16.6MM
DepositsQ3 2017vs Q3 2016$41.9MM$40.9MM
Equity CapitalQ3 2017vs Q3 2016$4.9MM$4.7MM
Loan Loss AllowanceQ3 2017vs Q3 2016$72.00K$59.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$83.00K$75.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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Merho Federal Credit Union Savings Account Rates

1.50%--IRA Savings
0.10%--Regular Share
0.10%--Christmas Club

Merho Federal Credit Union CD Rates

1.00%--36 Month CD
0.50%--12 Month CD
0.25%--6 Month CD

Merho Federal Credit Union IRA Rates

1.00%--36 Month CD
0.50%--12 Month CD
0.25%--6 Month CD

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