Headquartered in Salisbury, Maryland, 1897 Federal Credit Union is a federal credit union with $3.6M in total assets and $2.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1978.
1897 Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 60 credit unions headquartered in Maryland, it ranks 6th. Capital cushion contributes the most (100/100, 29.46%); earnings contributes the least (21/100, 0.03%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 11 points (95 → 84), mostly because the earnings component weakened by 79 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 98 |
| Q3 2024 | 99 |
| Q4 2024 | 93 |
| Q1 2025 | 100 |
| Q2 2025 | 95 |
| Q3 2025 | 98 |
| Q4 2025 | 96 |
| Q1 2026 | 89 |
| Q2 2026 | 84 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 23.05% |
| Q3 2024 | 22.92% |
| Q4 2024 | 26.97% |
| Q1 2025 | 27.02% |
| Q2 2025 | 27.26% |
| Q3 2025 | 26.52% |
| Q4 2025 | 30.98% |
| Q1 2026 | 29.61% |
| Q2 2026 | 29.46% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.80% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.77% |
| Q3 2024 | 1.82% |
| Q4 2024 | 2.10% |
| Q1 2025 | 2.51% |
| Q2 2025 | 2.24% |
| Q3 2025 | 1.87% |
| Q4 2025 | 1.92% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $3.6M | 29.46% | 0.00% | 0.03% | 14.0% |
| Q1 2026 | 89 | $3.6M | 29.61% | 0.00% | 0.58% | 15.4% |
| Q4 2025 | 96 | $3.4M | 30.98% | 0.43% | 1.92% | 19.6% |
| Q3 2025 | 98 | $3.9M | 26.52% | 0.16% | 1.87% | 17.4% |
| Q2 2025 | 95 | $3.8M | 27.26% | 0.61% | 2.24% | 19.3% |
| Q1 2025 | 100 | $3.7M | 27.02% | 0.00% | 2.51% | 21.1% |
| Q4 2024 | 93 | $3.6M | 26.97% | 0.80% | 2.10% | 22.6% |
| Q3 2024 | 99 | $4.2M | 22.92% | 0.00% | 1.82% | 19.4% |
| Q2 2024 | 98 | $4.1M | 23.05% | 0.00% | 1.77% | 19.0% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Maryland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mvp Postal and Printing Federal Credit UnionCredit union Gaithersburg, MD | 37 out of 100, Low | $3.7M | 9.6% | 3.90% | vs |
| Masters, Mates & Pilots (Mm&p) Federal Credit UnionCredit union Linthicum, MD | 76 out of 100, Strong | $4.0M | 10.3% | 0.00% | vs |
| Choptank Electric Coop Employ Federal Credit UnionCredit union Denton, MD | 66 out of 100, Moderate | $2.7M | 30.0% | 4.46% | vs |
| Korean Catholic Federal Credit UnionCredit union Olney, MD | 68 out of 100, Moderate | $1.7M | 11.1% | 0.00% | vs |
| Local 355 Md Federal Credit UnionCredit union Baltimore, MD | 54 out of 100, Below average | $5.8M | 19.4% | 7.99% | vs |
| Mt. Jezreel Federal Credit UnionCredit union Silver Spring, MD | 84 out of 100, Strong | $191K | 20.1% | 0.00% | vs |
Deposit insurance
Is my money safe at 1897 Federal Credit Union?
Yes. 1897 Federal Credit Union is a federally insured credit union (NCUA charter #23125). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 29.46%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
1897 Federal Credit Union lists 2 offices in 1 city. Most locations:
- Salisbury, MD (2)
Identity & history
Profile
- Legal name
- 1897 Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 23125
- RSSD ID
- 895989
- Primary regulator
- NCUA
- Established
- 1978
- Headquarters
- 100 E Carroll St, Salisbury, MD 21801
- Employees
- 3
Quick answers
1897 Federal Credit Union: common questions
Is 1897 Federal Credit Union NCUA insured?
Yes. 1897 Federal Credit Union is a federally insured credit union (NCUA charter #23125). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is 1897 Federal Credit Union's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does 1897 Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Salisbury
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hebron Savings BankBank Hebron, MD | 88 out of 100, Very strong | $838.8M | 13.4% | 0.08% | vs |
| Tidemark Federal Credit UnionCredit union Seaford, DE | 83 out of 100, Strong | $468.5M | 14.4% | 0.33% | vs |
| Calvin B. Taylor Banking Company of Berlin, MarylandBank Berlin, MD | 81 out of 100, Strong | $1.0B | 13.6% | 0.83% | vs |
| BayVanguard BankBank Baltimore, MD | 80 out of 100, Strong | $868.7M | 17.1% | 0.48% | vs |
| First Financial of Maryland Federal Credit UnionCredit union Sparks, MD | 79 out of 100, Strong | $1.4B | 16.7% | 0.54% | vs |
| First Shore Federal Savings and Loan AssociationBank Salisbury, MD | 78 out of 100, Strong | $366.5M | 17.4% | 0.82% | vs |