Federal credit union · Salisbury, Maryland · NCUA charter #23125
1897
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $3.4M
- Total assets
- 820
- Members
- 29.5%
- Net-worth ratio
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.
1897 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)52
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
29.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 29.48% | 30% |
| Delinquency Rate | 0.43% | 25% |
| Return on Assets | 2.26% | 15% |
| Member Growth | -9.69% | 15% |
| Loan-to-Share Ratio | 19.60% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About 1897
820 members and $3.4M in total assets sit behind 1897, a federal credit union in Salisbury, Maryland, which posts a health score of 78/100 (Very Good) on the five-factor composite, with $455K in outstanding loans as of Q4 2025 and a net worth ratio of 29.48% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #23125 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.43% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 19.60% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 2.26% on net income of $77K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -9.69%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Maryland
Other federally-insured credit unions in Maryland, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 29.48% 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 29.48% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.