MERHO Credit Union Profile

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MERHO

Charter #20921 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (814) 535-3116

Fax: (814) 539-5090

Founding Date: N/A

Website: http://www.merhofcu.org

Personnel & Operations

President: Pavlosky, Jerry

Manager: Griffith, Tammie

FT Employees: 7

PT Employees: 5

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 51

Branches: 2

Hours: MONDAY THRU FRIDAY 8:00 AM - 4:30 PM - LOB

Credit Union Profile Summary

MERHO is a FCU Credit Union. With a total of 4,841 members [1], this institution manages approximately $60,223,429 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.38% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -7.78% [1].

Financial Snapshot

Total Assets [1]
$60,223,429

Total economic resources.

Total Loans [1]
$17,046,680

Total value of outstanding loans.

Total Deposits [1]
$54,560,638

Total funds deposited by members.

Members [1]
4,841

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.38%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.38%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
31.24%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 7.15%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -7.78%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 3.07%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

15 IRENE ST

JOHNSTOWN, PA, 15905-4124
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by MERHO (Charter #20921).

Main Office

MERHO Federal Credit Union Main Office

Type: Corporate Office

15 Irene St

Johnstown, PA 15905-4124

Phone: (814) 535-3116

Services: Member Services, Drive-Thru

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Additional Branches

Johnstown

MERHO Federal Credit Union

Type: Branch Office

194 Donald Ln Ste 2

Johnstown, PA 15904-2840

Phone: (814) 266-3076

Services: Member Services, Drive-Thru

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