Credit Union Safety Analysis
Is Merho Federal Credit Union Safe? Johnstown, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Merho Federal Credit Union has a net worth ratio of 11.34%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.02%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Merho Federal Credit Union's net worth ratio is 11.34%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.34%
- Delinquency ratio (60+ days) (Q2 2026): 1.02%
- Return on assets (Q2 2026): 1.13%
- Loan-to-share ratio (Q2 2026): 28.52%
Merho Federal Credit Union (NCUA charter 20921, established 1972) reported $60.8M in assets and 4,499 members for Q2 2026 from Johnstown, Pennsylvania. It ranks 111 of 269 credit unions in Pennsylvania by total assets. Total assets grew 1.0% from $60.2M on June 30, 2025. It has 342 fewer members than on June 30, 2025 (-7.1%). Its net worth ratio was up 0.96 percentage points from 10.38% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $7.2M of $15.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.02% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.01% for Q1 2026; 10.38% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.28% for Q1 2026; 0.33% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.28% for Q1 2026; 0.35% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 28.61% for Q1 2026; 31.24% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $7.2M
- New vehicle loans: $3.7M
- Used vehicle loans: $2.3M
- Other unsecured loans and lines of credit: $1.2M
- Unsecured credit card loans: $905K
- Other secured non-real estate loans and lines of credit: $257K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $60.8M | 11.34% | 1.02% | 1.13% | 28.52% |
| March 31, 2026 | $61.1M | 11.01% | 0.28% | 1.28% | 28.61% |
| December 31, 2025 | $59.4M | 11.00% | 0.47% | 1.07% | 30.78% |
| September 30, 2025 | $59.1M | 10.82% | 0.23% | 0.93% | 32.45% |
| June 30, 2025 | $60.2M | 10.38% | 0.33% | 0.35% | 31.24% |
| March 31, 2025 | $59.9M | 10.35% | 0.22% | 0.40% | 31.30% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Merho Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 20921) · FFIEC NIC profile (RSSD 852281)
Frequently asked questions
Is Merho Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Merho Federal Credit Union's net worth ratio is 11.34%, above the 7% NCUA threshold for well capitalized.
Is Merho Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Merho Federal Credit Union is a federally insured credit union (NCUA charter 20921): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Merho Federal Credit Union's key safety ratios?
For Q2 2026, Merho Federal Credit Union reports net worth 11.34%, delinquency 1.02%, ROA 1.13%, loan-to-share 28.52%.
What happens to my money if Merho Federal Credit Union fails?
For Q2 2026, Merho Federal Credit Union held $54.5M in shares and deposits for 4,499 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.