Sep, 30, 2025 — MERHO FEDERAL CREDIT UNION is a federal credit union headquartered in JOHNSTOWN, PA with 2 branch locations and about $59.06 million in total assets. Opened 54 years ago in 1972, MERHO FEDERAL CREDIT UNION has about 4,846 members and employs 12 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MERHO FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 15 Irene St JOHNSTOWN, PA 15905-4124 |
| Phone: | (814) 535-3116 |
| Fax: | (814) 539-5090 |
| Website: | https://www.merhofcu.org |
| Branches: | 2 branch locations |
| Members: | 4,846 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 20921 |
|---|---|
| Membership Type: | Multiple common bond - Primarily health care |
| Corporate Credit Union: | No |
| Year Opened: | 1972 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $59,058,896 |
| CEO/Manager: | Tammie S Griffith |
| Chairperson: | Jerry Pavlosky |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,557,406 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 7,280,348 |
| Unsecured Loans | 2,281,855 |
| Other Loans | 7,639,692 |
| TOTAL LOANS | 17,201,895 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -128,443 |
| Land And Building | 317,090 |
| Other Fixed Assets | 116,759 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 531,414 |
| All Other Assets | 0 |
| TOTAL ASSETS | 59,058,896 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 56,344 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 8,899,591 |
| Regular shares | 28,306,784 |
| All Other Shares & Deposits | 15,807,707 |
| TOTAL SHARES & DEPOSITS | 53,014,083 |
| TOTAL LIABILITIES | 53,070,427 |
| Regular Reserve | 0 |
| Other Reserves | 273,770 |
| Undivided Earnings | 5,714,699 |
| TOTAL EQUITY | 5,988,469 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 59,058,896 |
| INCOME & EXPENSE | |
| Loan Income | 705,307 |
| Investment Income | 716,620 |
| Other Income | 223,809 |
| Total Employee Compensation & Benefits | 445,294 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 597,610 |
| Non-operating Income & (Expense) | 7,090 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 21,200 |
| Cost of Funds | 432,003 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 250,187 |
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