Merho Federal Credit Union

Headquarters: Johnstown, Pennsylvania
Charter: Credit Union
Assets: $60.8M
Fed district: Philadelphia
Regulator: NCUA

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Feb 17, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Feb 17, 2026

How these figures are measured

Call-report figures are for Merho Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Merho Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Feb 17, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Merho Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $22K in Q2 2026, 61% below the same quarter a year earlier ($56K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Merho Federal Credit Union: $30
Merho Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Merho Federal Credit Union: $35
Merho Federal Credit Union: $35
U.S. median: no median
Stop Payment
Merho Federal Credit Union: $10
Merho Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 77% from Q3 2025 to Q2 2026, to $22K.

Fee income, Q2 2026

$22K

$94KQ3 2025

$74KQ4 2025

$27KQ1 2026

$22KQ2 2026

Against the median

Merho Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Merho Federal Credit Union · $61M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Credit unions only
$60M to $62M in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Merho Federal Credit Union(this institution)	Johnstown, PA	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Acclaim Federal Credit Union	Greensboro, NC	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
American Lake Federal Credit Union	Lakewood, WA	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Buffalo Conrail Federal Credit Union	Cheektowaga, NY	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
C C S E Federal Credit Union	Salamanca, NY	$61M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Pioneers Federal Credit Union	Lafayette, LA	$61M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gratiot Community Federal Credit Union	Alma, MI	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Green River Area Federal Credit Union	Owensboro, KY	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Horizon Federal Credit Union	Kingsport, TN	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jackson Area Federal Credit Union	Jackson, MS	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
La Joya Area Federal Credit Union	La Joya, TX	$62M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lm Federal Credit Union	Baltimore, MD	$60M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Loco Federal Credit Union	Alamogordo, NM	$61M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Loudoun Credit Union	Leesburg, VA	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mill Town Federal Credit Union	Everett, WA	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Mohave Community Federal Credit Union	Kingman, AZ	$61M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Morrisons Cove 1St Federal Credit Union	Roaring Spring, PA	$62M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Motion Federal Credit Union	Linden, NJ	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Century Federal Credit Union	Joliet, IL	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Nordstrom Federal Credit Union	Everett, WA	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Panhandle Federal Credit Union	Wellington, KS	$62M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Promedica Federal Credit Union	Toledo, OH	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Remington Federal Credit Union	Ilion, NY	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
San Juan Mountains Federal Credit Union	Montrose, CO	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Bridgeway Federal Credit Union	Phenix City, AL	$62M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
University Of Louisiana Federal Credit Union	Lafayette, LA	$61M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Merho Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 10 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026.

Monthly maintenance fee in dollars, one mark per institution

Merho Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Merho Federal Credit UnionPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Merho Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $22K
vs prior quarter: −$5K−18.5%; from Q1 2026
vs a year earlier: −$34K−60.7%; from Q2 2025
vs start of range: −$66K−75.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Merho Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$22K	−$5K	−18.5%
Q1 2026	$27K	−$47K	−63.5%
Q4 2025	$74K	−$20K	−21.3%
Q3 2025	$94K	+$38K	+67.9%
Q2 2025	$56K	−$18K	−24.3%
Q1 2025	$74K	−$7K	−8.6%
Q4 2024	$81K	−$7K	−8.0%
Q3 2024	$88K	+$5K	+6.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Merho Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$10
Not compared: Annual charge, not monthly
per year
Bad address Fee$5
per month

Overdraft & NSF

ATM Non-Sufficient Funds (NSF) (audience not stated, treated as personal)$30
Automated Clearing House (ACH) NSF (audience not stated, treated as personal)$30
Share Draft NSF$30

ATM & Card

Credit or Debit Replacement Card$10
Debit or Credit Replacement Rush Fee$65

Wire Transfers

Outgoing Domestic Wire$35
Outgoing International Wire$45

Check Services

Stop Payment$10
Check/Share Draft Copy$2

Account Services

Garnishment Fee$25

Lending Fees

Loan Late Payment Fee$30
Loan Cancellation Fee$25

Vehicle & Title

Title Lien Fee$100

Other Fees

Statement Copy or Printout Per Month$2
Not compared: Monthly charge, not per item
per month
Loan Application Fee Per Applicant$10

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$10Not compared: Annual charge, not monthly	per year	None
Bad address Fee	$5	per month	None
Overdraft & NSF
ATM Non-Sufficient Funds (NSF) (audience not stated, treated as personal)	$30	Not stated	None
Automated Clearing House (ACH) NSF (audience not stated, treated as personal)	$30	Not stated	None
Share Draft NSF	$30	Not stated	None
ATM & Card
Credit or Debit Replacement Card	$10	Not stated	None
Debit or Credit Replacement Rush Fee	$65	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$35	Not stated	None
Outgoing International Wire	$45	Not stated	None
Check Services
Stop Payment	$10	Not stated	None
Check/Share Draft Copy	$2	Not stated	None
Account Services
Garnishment Fee	$25	Not stated	None
Lending Fees
Loan Late Payment Fee	$30	Not stated	None
Loan Cancellation Fee	$25	Not stated	None
Vehicle & Title
Title Lien Fee	$100	Not stated	None
Other Fees
Statement Copy or Printout Per Month	$2Not compared: Monthly charge, not per item	per month	None
Loan Application Fee Per Applicant	$10	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Feb 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Merho Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.