Johnstown, Pennsylvania · Peer group 4
Merho Credit Union
Merho Credit Union holds $61.1M in assets across 4,738 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1972. Charter number 20921, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $61.1M |
|---|---|
| Total loans | $15.6M |
| Total shares (deposits) | $54.7M |
| Net worth | $6.7M |
| Members | 4,738 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.9% | |
|---|---|---|
| Loans | -8.1% | around the 13th percentile of its peer group |
| Deposits | 0.5% | around the 40th percentile of its peer group |
| Members | 2.8% | higher than 91% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 28.6% | lower than 96% of its peer group |
|---|---|---|
| Net worth ratio | 11.0% | around the 31st percentile of its peer group |
| Return on assets | 1.28% | around the 77th percentile of its peer group |
| Delinquency ratio | 0.28% | around the 27th percentile of its peer group |
| Cash / assets | 2.5% | lower than 99% of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Merho Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Pennsylvania — the comparison set a peer ratio is measured against.
- Morrisons Cove 1st Credit Union
ROARING SPRING, PA
$61.8M · 4,353 members
- Central Keystone Credit Union
Sunbury, PA
$63.8M · 3,188 members
- Pennstar Credit Union
Hermitage, PA
$58.1M · 4,044 members
- Pittsburgh City Hall Employees Credit Union
Pittsburgh, PA
$57.2M · 2,625 members
- Superior Credit Union
Collegeville, PA
$66.1M · 6,233 members
- Sru Credit Union
Slippery Rock, PA
$66.2M · 4,449 members
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