1897
Federal • Salisbury, Maryland • Est. 1978
Quick Facts
- Charter Number
- #23125
- Type
- Federal
- Established
- 1978
- Headquarters
- Salisbury, Maryland 21801
- Address
- 100 E Carroll St
- Branches
- 2
- Members
- 820
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
820 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | 1897 |
|---|---|
| Total Assets | $3.4M |
| Members | 820 |
| Loans Outstanding | $455K |
| Shares & Deposits | $2.3M |
| Net Worth | $1.0M |
| Net Worth Ratio | 30.98% |
| Loan-to-Share Ratio | 19.6% |
| Delinquency Rate | 0.43% |
| Net Income | +$65,041 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
Pen Gen Hosp FCU
Main Office100 E Carroll St
Salisbury, MD 21801
1897 Federal Credit Union
100 E Carroll St
Salisbury, MD 21801
Who Can Join 1897?
Membership Type: Community
Membership eligibility for 1897 may vary. Contact the credit union directly to confirm qualification requirements.
Contact 1897 directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Maryland RankingsFrequently Asked Questions
Yes. 1897 is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, 1897 has 820 members and a potential membership field of 2,400 people.
1897's net worth ratio is 30.98% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 31.0%, 1897 meets this threshold.
1897 operates 2 branch locations. The main office is located at 100 E Carroll St, Salisbury, MD 21801.
1897 was established in 1978. It is a federal credit union chartered under charter number 23125. The institution has been serving members for 48 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or 1897. All financial data is for informational purposes only.