TellerScore

Headquartered in Johnstown, Pennsylvania, Merho Federal Credit Union is a federal credit union with $60.8M in total assets and $54.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1972.

Based on its Q2 2026 filing, Merho Federal Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 145th. Its strongest component is funding & liquidity (100/100; 29% loans-to-deposits, 4% uninsured), and its lowest is capital cushion (63/100; 11.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.34%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.02%
Earnings68/100
Return on assets (annualized): 1.21%
Funding & liquidity100/100
Loans ÷ shares: 28.5% · 4.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.29%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (70 → 74), mostly because the earnings component improved by 33 points.

TellerScore
697580Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202469
Q4 202470
Q1 202571
Q2 202570
Q3 202574
Q4 202573
Q1 202680
Q2 202674
Net worth ratio
7.00%9.17%11.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.82%
Q3 202410.79%
Q4 202410.55%
Q1 202510.35%
Q2 202510.38%
Q3 202510.82%
Q4 202511.00%
Q1 202611.01%
Q2 202611.34%
Delinquent loans (60+ days)
0.22%0.62%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.41%
Q3 20240.61%
Q4 20240.39%
Q1 20250.22%
Q2 20250.33%
Q3 20250.23%
Q4 20250.47%
Q1 20260.28%
Q2 20261.02%
Return on assets
0.31%0.80%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.41%
Q4 20240.31%
Q1 20250.40%
Q2 20250.37%
Q3 20250.56%
Q4 20250.69%
Q1 20261.28%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$60.8M11.34%1.02%1.21%28.5%
Q1 202680$61.1M11.01%0.28%1.28%28.6%
Q4 202573$59.4M11.00%0.47%0.69%30.8%
Q3 202574$59.1M10.82%0.23%0.56%32.4%
Q2 202570$60.2M10.38%0.33%0.37%31.2%
Q1 202571$59.9M10.35%0.22%0.40%31.3%
Q4 202470$58.2M10.55%0.39%0.31%33.9%
Q3 202469$57.0M10.79%0.61%0.41%35.9%
Q2 202471$56.2M10.82%0.41%0.38%36.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.34%
27th
Problem loans1.02%
39th
Net charge-offs0.18%
50th
Return on assets1.21%
76th
Loans to deposits28.5%
90th
Uninsured deposits4.0%
28th
Loan-loss reserves0.00%
37th
Texas ratio2.3%
49th

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Pittsburgh City Hall Employees Federal Credit UnionCredit union Pittsburgh, PA54 out of 100, Below average$55.9M9.1%1.18%vs

Deposit insurance

Is my money safe at Merho Federal Credit Union?

Yes. Merho Federal Credit Union is a federally insured credit union (NCUA charter #20921). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.0% of shares and deposits ($2.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.34%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Merho Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Merho Federal Credit Union
Type
Federal credit union
NCUA charter #
20921
RSSD ID
852281
Primary regulator
NCUA
Established
1972
Headquarters
15 Irene St, Johnstown, PA 15905
Employees
12

Quick answers

Merho Federal Credit Union: common questions

Is Merho Federal Credit Union NCUA insured?

Yes. Merho Federal Credit Union is a federally insured credit union (NCUA charter #20921). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Merho Federal Credit Union's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Merho Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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