Credit union · NCUA insured
MERHO Federal Credit Union
A $61.1M credit union headquartered in Johnstown, PA, with 4,738 members and 2 branches in Pennsylvania. Best rates: CDs 4.06% APY.
MERHO Federal Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#3 of 17 in Johnstown, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MERHO Federal Credit Union
Established in 1972 by employees of the former Mercy Hospital, MERHO Federal Credit Union is headquartered in Johnstown, Pennsylvania.
In 1983, the credit union combined with the Memorial Hospital Credit Union.
- Headquarters
- 15 Irene St, Johnstown, PA 15905-4124
- NCUA charter
- 20921
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of designated partner employer and community organizations are eligible for membership.
Military, government and schools
- Staff and students of Bishop McCort High School are eligible for membership.
- Employees of Conemaugh School of Nursing are eligible for membership.
- Employees of Mt Aloysius College are eligible for membership.
Family and household
- Immediate family members of employees of qualifying sponsor groups are eligible for membership.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
- MERHO Federal Credit UnionMain office15 Irene St, Johnstown, PA 15905Directions
- MERHO Federal Credit Union194 Donald Ln Ste 2, Johnstown, PA 15904Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.34% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.02% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.23% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $29 | $59 | — |
- CapitalNet worth ratio11.34%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.02%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.23%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$29Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of MERHO Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.