Technically, she looks to be MS-62/63. Those "gouges" on the reverse, though, as noted, should take her down from there in the market. To a VAM collector, though, who knows? That's one big crack over UNITED.
Morgans are graded 75% to 90% by the Obverse side...period!...I've seen many a reference to the Reverse state in posts lately. I see nothing other than typical nicks/bagmarks on this coins Reverse. Examination of the Reverse is generally only important in determining if the coin is circulated, unless of course there are serious issues...MS63
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