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Credit union call report ยท Johnstown, PA

Merho Federal Credit Union Call Report

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Merho Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 254 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Merho Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number20921
Federal Reserve RSSD ID852281

The official copy: search charter number 20921 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Merho Federal Credit Union call report, Q2 2026

Statement of Financial Condition (31 items)
Merho Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $513K
1b. Cash Items in Process of Collection AS0005 $50K
1c. Total Cash on Hand 730A $563K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $325K
2c. Cash on Deposit in Other Financial Institutions 730B2 $193K
2. Cash on Deposit (total) 730B $518K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $1.1M
8. Available-for-Sale Debt Securities AS0067 $29.2M
9. Held-to-Maturity Debt Securities AS0073 $13.6M
11. TOTAL INVESTMENT SECURITIES AS0013 $42.8M
12b. Perpetual Contributed Capital 769B $238K
13. TOTAL OTHER INVESTMENTS AS0017 $238K
15a. Number of Total Loans and Leases 025A 1,750
15b. Total Loans and Leases 025B $15.6M
17. ACL on Loans and Leases AS0048 $153K
19. Land and Building 007 $318K
20. Other Fixed Assets 008 $114K
21. NCUA Share Insurance Capitalization Deposit 794 $509K
22d. Accrued Interest on Loans 009A $27K
22e. Accrued Interest on Investments 009B $161K
22f. All Other Assets 009C $181K
22g. Total Other Assets AS0036 $369K
23. TOTAL ASSETS 010 $60.8M
Accounts Payable and Other Liabilities 825 $54K
Member Shares of All Types 013 $54.5M
Total Shares and Deposits 018 $54.5M
Undivided Earnings 940 $6.2M
Other Reserves 658 $656K
Total Net Worth 997 $6.9M
Net Worth Ratio 998 11.34%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $60.8M
Statement of Income and Expense (24 items)
Merho Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $444K
3. Income from Investments 120 $636K
5. TOTAL INTEREST INCOME 115 $1.1M
6. Dividends on Shares 380 $214K
8. Interest on Borrowed Money 340 $1K
9. TOTAL INTEREST EXPENSE 350 $216K
10. NET INTEREST INCOME IS0010 $864K
12a. Credit Loss Expense - Loans and Leases IS0011 $34K
12e. Total Credit Loss Expense IS0017 $34K
13. Fee Income 131 $49K
14. Other Operating Income IS0020 $135K
22. Other Non-Operating Income 440 $46K
23. TOTAL NON-INTEREST INCOME 117 $230K
24. Employee Compensation and Benefits 210 $294K
25. Travel and Conference 230 $4K
26. Office Occupancy 250 $51K
27. Office Operations 260 $301K
28. Educational and Promotional 270 $19K
29. Loan Servicing 280 $6K
30. Professional and Outside Services 290 $4K
32. Operating Fees 320 $2K
33. Miscellaneous Operating Expense 360 $12K
34. TOTAL NON-INTEREST EXPENSE 671 $692K
35. NET INCOME 661A $368K
Statement pages - all other filed accounts (22 items)

delinquency (21%), credit cards (21%)

Merho Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $178K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $34K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $15K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $552
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $8K
Loans Granted Year-to-Date 031A $99
Amount of Loans Granted Year-to-Date 031B $1.2M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $158K
Number of current members (not number of accounts) 083 4,499
Number of potential members 084 8,000
Interest Rate of Unsecured Credit Card Loans 521 999.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 987.00%
Interest Rate of New Vehicle Loans 523 433.00%
Interest Rate of Used Vehicle Loans 524 598.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $14K
Total Amount of All Other Shares 630 $1.1M
Amount of Regular Shares 657 $29.9M
Amount of Share Drafts 902 $9.8M
IRA/KEOGH Accounts - < 1 Year 906A $3.5M
Share Certificates - < 1 Year 908A $10.2M
Total Amount of Share Certificates 908C $10.2M
Number of Used Vehicle Loans 968 208
NCUA data file FS220A (19 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Merho Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $54.5M
Total Shares - 1-3 Years 013B1 $3K
Total Shares and Deposits - < 1 Year 018A $54.5M
Total Shares and Deposits - 1-3 Years 018B1 $3K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 15
Effective date of last audit 063 $32K
Amount of Used Vehicle Loans 370 $2.3M
Amount of New Vehicle Loans 385 $3.7M
Amount of Unsecured Credit Card Loans 396 $905K
Amount of All Other Unsecured Loans/Lines of Credit 397 $1.2M
Share Certificates 451 $556
Number of Accounts for Share Drafts 452 3,137
IRA/KEOGH Accounts 453 $246
Number of Accounts for Regular Shares 454 4,746
All other shares 455 $748
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 9,433
Number of credit union employees who are Full-Time (26 hours or more) 564A 8
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 4
Total credit lines 881 $2.0M
NCUA data file FS220B (20 items)

maturity and repricing buckets (40%), credit cards (17%)

Merho Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $4K
Number - Total Delinquent Credit Card Loans 045A 3
Total Amount of Delinquent Unsecured Credit Card Loans 045B $13K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $2.2M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $2.2M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $52.3M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
All other shares - < 1 Year 630A $1.1M
Amount of Regular Shares - < 1 Year 657A $29.9M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $3K
Fair value of Held to Maturity Securities 801 $13.1M
Amount of Share Drafts - < 1 Year 902A $9.8M
Total Amount of IRA/KEOGH Accounts 906C $3.5M
Share Certificates - 1-3 Years 908B1 $3K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $189K
Number of New Vehicle Loans 958 189
Total Shares 966 $9K
Number of Unsecured Credit Card Loans 993 798
Number of All Other Unsecured Loans/Lines of Credit 994 342
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 16
NCUA data file FS220C (5 items)

charge-offs and recoveries (27%), participation loans (18%)

Merho Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 2
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $1.5M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $2.3M
Outstanding balance of brokered certificates of deposit and share certificates 788 $43.5M
NCUA data file FS220D (21 items)

member services and products offered (69%), CUSO relationships (27%)

Merho Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Point-of-sale-Processing PI0012 $1
NCUA data file FS220G (3 items)

loans and leases (32%), participation loans (18%)

Merho Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Value of Investments in CUSOs 851 $1K
Total Aggregate Cash Outlay in CUSOs 853 $1K
Total Credit Lines at Corporate Credit Unions 884 $2.0M
NCUA data file FS220H (1 item)

student loans (43%), delinquency (27%)

Merho Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $5.3M
NCUA data file FS220I (7 items)

vehicle lending (59%), delinquency (44%)

Merho Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $69K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $21K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $26K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $12K
Number of Reportable Delinquent Used Vehicle Loans 035E2 4
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $57K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $7K
NCUA data file FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Merho Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $2K
Total Amount of Loans & Leases on Loan Schedule 025B1 $15.6M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $1.5M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 482.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 453.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 584.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $257K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $5.7M
NCUA data file FS220M (7 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Merho Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $2.7M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.9M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $722K
Total Unfunded Commitments for Non-Commercial Loans 816T $5.3M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 144
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 43
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 26
NCUA data file FS220N (12 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Merho Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $5.5M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $8.2M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $15.3M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $243K
Held-to-Maturity Debt Securities <=1 Year AS0068 $2.8M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $3.2M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $6.6M
Held-to-Maturity Debt Securities >5 and <= 10 Years AS0071 $992K
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$626K
Total Liabilities LI0069 $54.6M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $61K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $60.8M
NCUA data file FS220P (16 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Merho Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $4K
Unsecured Credit Card Loans DL0002 $9K
All Other Unsecured Loans/Lines of Credit DL0022 $21K
All Other Unsecured Loans/Lines of Credit DL0023 $527
All Other Unsecured Loans/Lines of Credit DL0024 $4K
All Other Unsecured Loans/Lines of Credit DL0025 $4K
All Other Unsecured Loans/Lines of Credit DL0026 $552
All Other Unsecured Loans/Lines of Credit DL0027 $8K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $4
Used Vehicle Loans DL0037 $19K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $60K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $80K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $80K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $4
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $108K
Amount of Consumer Loans in Non-Accrual Status DL0145 $551
NCUA data file FS220Q (23 items)

investment portfolio detail (69%)

Merho Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - US Government Obligations NV0001 $13.6M
Held-to-maturity Fair Value - US Government Obligations NV0002 $13.1M
Available-for-sale Amortized Cost - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0079 $29.9M
Available-for-sale Fair Value - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0080 $29.2M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $13.6M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $29.9M
Total Fair Value Available-for-Sale Debt Securities NV0084 $29.2M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $29.2M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $13.6M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $238K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $238K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $8.3M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $11.4M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $21.9M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $1.2M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $238K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $43.1M
RBC Total Equity RB0001 $6.9M
RBC Allowance for Credit Losses RB0002 $153K
RBC Total Additions RB0005 $153K
RBC Total Deductions RB0009 $509K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $6.5M
RBC Risk-Based Capital Numerator RB0012 $6.5M
NCUA data file FS220R (33 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Merho Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $43.1M
RBC Schedule Total Consumer Loans RB0060 $8.4M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $153K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $153K
RBC Schedule Total Loans RB0079 $15.4M
RBC Total for Risk Weighting Total Loans RB0081 -$153K
RBC Total Loans 0% Weight RB0082 -$153K
RBC Schedule Total Other Assets RB0088 $1.3M
RBC Total for Risk Weighting Other Assets RB0090 $509K
RBC Other Assets 0% Weight RB0091 $509K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $60.8M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $356K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $356K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $60.8M
RBC Allowance for Credit Losses (Loans) RB0177 $153K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 9.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 131,987.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 135.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 5,554,763.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 516,703.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $5.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $517K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 43.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 1,501,369.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 221,054.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $1.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $221K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $187
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $7.2M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $738K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $7.1M
Total Shares SH0013 $54.5M
Total Shares and Deposits SH0018 $54.5M
NCUA data file FS220S (2 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Merho Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Mortgage Lending PP0039 $1

Merho Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Merho Federal Credit Union call report?

The Merho Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Merho Federal Credit Union file?

Merho Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Merho Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Merho Federal Credit Union is 20921.

How often does Merho Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Merho Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.