credit union

1897

Salisbury, MD · Est. 1978
A
Trust Grade
Excellent
Score: 95/100

1897 is a credit union based in Salisbury, Maryland, established in 1978, with $4 million in total assets serving 779 members. By Trust Grade it ranks 19th of 61 credit unions we track in Maryland. Its net worth ratio of 29.6% is stronger than 94% of similarly sized credit unions, versus a Maryland median of 11.9%. It was profitable over the most recent period, with a 0.58% return on assets. No consumer complaints against 1897 appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$3.6M
<$100M institution
Members
779
Shares & deposits
—
Net worth ratio
29.6%
Top 6% of <$100M peers · Maryland median 11.9%
Return on assets
0.6%
Bottom 49% of <$100M peers · Maryland median 0.49%
Rank in Maryland
#19
of 61 credit unions

How 1897 compares to Maryland peers

Net worth ratio
Top 6% of <$100M peers
1897
29.6%
Maryland median
11.9%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 49% of <$100M peers
1897
0.6%
Maryland median
0.5%
Higher ROA = more profitable relative to asset base

How we graded 1897

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
95/100
Customer experience
n/a
Overall
A · 95
  • Strongly capitalized (29.6% capital ratio)
  • Profitable (ROA 0.58%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for 1897 over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at 1897 insured?

Yes. 1897 is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

1897: frequently asked questions

Is 1897 a good credit union?

1897 earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (29.6% capital ratio); Profitable (ROA 0.58%).

Is 1897 NCUA-insured?

Yes. 1897 is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is 1897?

1897 holds $4 million in total assets, ranking 19th of 61 credit unions we track in Maryland. It serves 779 members.

Does 1897 have CFPB complaints?

No CFPB complaints against 1897 appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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