MERHO
Charter #20921 · JOHNSTOWN, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.76% sits at the 10th percentile of structural peers — worth a closer look.
- Efficiency ratio of 62.28% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 54th — a 27-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MERHO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $61.05M | 27th pct | 54th pct |
| Members | 4,738 | 44th pct | 62th pct |
| Net worth ratio | 11.01% | 31th pct | 31th pct |
| Return on average assets | 1.30% | 78th pct | 69th pct |
| Net interest margin | 2.76% | 9th pct | 10th pct |
| Cost of funds | 0.80% | 41th pct | 66th pct |
| Loan-to-share | 28.61% | 4th pct | 21th pct |
| Delinquency 60+ days | 0.28% | 27th pct | 28th pct |
| Net charge-off ratio | 0.28% | 53th pct | 52th pct |
| Loan growth YoY | -9.07% | 4th pct | 18th pct |
| Share growth YoY | 3.15% | 54th pct | 52th pct |
| Efficiency ratio | 62.28% | 13th pct | 11th pct |
structural peer set hash: 89b4606b2688f77b850a8123d162900c… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.