Federal credit union · Salisbury, Maryland · NCUA charter #23125
1897
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $3.4M
- Total assets
- 820
- Members
- 29.6%
- Net-worth ratio
1897 scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.4M; members 820; net-worth ratio 29.61%; health rank #2,918 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,918 of 4,374 health · 2025Q41897 · health 78/100 · $3.4M · 2025Q4
Call Report peers
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1897 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 1897 sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where 1897 diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 29.61% vs peer 19.06% (+10.55 pp).
- Largest lag: Loan-to-Share Ratio at 19.60% vs peer 63.60% (-44.00 pp).
1897: in-state Call Report ranks
- In Maryland, health place is #35 of 62 on the same NCUA-ratio sort used nationally.
- By total assets, 1897 is #59 of 62 in Maryland.
- Membership ranks #56 of 62 among Maryland CUs with a reported count (820 members).
- One place up in Maryland, Act 1st (#34) scores 79/100, 1 point higher; one place down, Capital Area Taiwanese (#36) ties at 78/100.
1897 Call Report trajectory
1897: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.2% from $3.4M (2025Q4) to $3.6M (2026Q1).
- Net-worth ratio shifted -1.37 pp (30.98% → 29.61%).
29.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
1897 gives up 22 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.0 pts
1897 vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 29.61% | +10.55 pp |
| Delinquency Rate | 0.43% | -1.37 pp |
| Return on Assets | 2.26% | +1.81 pp |
| Member Growth | -9.69% | - |
| Loan-to-Share Ratio | 19.60% | -44.00 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - 1897
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.6M | - |
| 2025Q4 | $3.4M | 820 |
| 2024Q4 | $3.6M | 908 |
| 2023Q4 | $4.0M | 925 |
Credit Union Details
- Charter Number
- 23125
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Maryland
- City
- Salisbury
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, 1897 runs 2 offices.
| Office | City |
|---|---|
| Pen Gen Hosp FCU (Main Office) | Salisbury, MD |
| 1897 Federal Credit Union | Salisbury, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
Other federally-insured credit unions in Maryland, closest first by peer group and asset size.
Cross-state Call Report peers for 1897
Similar health score
Using this data
- 1897 ranks #2,918 of 4,374 nationally on financial health and #35 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Masters, Mates & Pilots (Mm&p) is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Masters, Mates & Pilots (Mm&p)
Frequently Asked Questions
Is 1897 financially healthy?
1897 has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,918 of 4,374 nationally on health and #35 of 62 in Maryland. Its net worth ratio is 29.61% and its delinquency rate 0.43%.
How does 1897 compare to other credit unions?
1897 scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (29.61% vs 19.06%). Its widest shortfall is loan-to-share ratio (19.60% vs 63.60%).
How can I join 1897?
1897 operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact 1897 directly for the exact boundaries and application steps.
Is my money safe at 1897?
1897 is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 1897's net worth ratio of 29.61% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.