Merho
Johnstown, PA · Charter 20921 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
$60.8MAssets
$15.6MLoans
$54.5MShares
$6.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 81% of credit unions under $1B in assets in PA (rank 14 of 72).
- Widest gap: net interest margin trails 85% of credit unions under $1B in assets in PA (rank 61 of 72).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.21%
Rank 29 of 72
Net Interest Margin
2.84%
Rank 61 of 72
Efficiency Ratio
63.25%
Rank 17 of 72
Equity / Assets
11.34%
Rank 52 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.59% | 1.06% | 1.40% | Beats 60% | 29 / 72 | | |
| Return on Equity | 10.67% | 5.27% | 7.11% | 9.91% | Beats 81% | 14 / 72 | | |
| Net Interest Margin | 2.84% | 3.09% | 3.57% | 4.10% | Beats 15% | 61 / 72 | | |
| Efficiency Ratio | 63.25% | 64.37% | 73.67% | 81.63% | Beats 78% | 17 / 72 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.02% | 0.20% | 0.58% | 1.09% | Beats 32% | 50 / 72 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.34% | 10.74% | 12.96% | 16.84% | Beats 28% | 52 / 72 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.34% | 10.74% | 12.96% | 16.84% | Beats 28% | 52 / 72 | | |
| Liquidity & Funding |
| Loans / Deposits | 28.52% | 34.39% | 52.54% | 65.98% | 7th pctl | 67 / 72 | | |
| Loans / Assets | 25.56% | 30.23% | 45.37% | 57.67% | 15th pctl | 61 / 72 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |