Merho

JOHNSTOWN, PA · 1 · Charter #20921 · www.merhofcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$59.4M
11th percentile
Members
4,779
22th percentile
Total loans
$16.4M
2th percentile
Total shares
$53.1M
14th percentile

Profitability

Return on assets
0.73%
30th percentile
Net interest margin
2.36%
4th percentile
Efficiency ratio
59.40%
60th percentile
Non-interest income ratio
19.66%
62th percentile

Capital & Risk

Net worth ratio
11.00%
35th percentile
Delinquency rate
0.47%
67th percentile
Net charge-off rate
0.05%
91th percentile
Loan-to-share
30.78%
4th percentile

Growth

Member growth YoY
2.71%
84th percentile
Asset growth YoY
2.05%
35th percentile
Loan growth YoY
-8.81%
7th percentile
Share growth YoY
0.48%
27th percentile

Operations

Members / branch
2,390
33th percentile
Assets / member
$12,425
33th percentile
Field of membership penetration
59.74%
93th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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