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
- CAMELS 78/100
- HEALTH 29.6%
- NW 0.43%
- DELQ 2.26%
- ROA $3.4M
- ASSETS 820
- MEM #2,918/4,374
- RANK n/a
- PHOTO 23125
Call Report peers
1897 carries $3.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1897 vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
1897 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #23125. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
1897 Call Report trajectory
1897: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.2% from $3.4M (2025Q4) to $3.6M (2026Q1).
- Net-worth ratio shifted -1.37 pp (30.98% → 29.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
1897's nationwide photo peers by assets and by health score, excluding Maryland charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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)
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 1897 financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, 1897 carries a financial health score of 78/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,918 of 4,374; by total assets it ranks #4,017 of 4,374 nationally (same basis as /rankings/largest); and #59 of 62 within Maryland. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 29.61% net worth ratio and a 0.43% delinquency rate.
How does 1897 compare to other credit unions?
1897 scores 78/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like 1897 are 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."
What rates does 1897 offer compared to banks?
Credit unions like 1897 are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 1897 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.