Federal credit union · Mobile, Alabama · NCUA charter #21794
The Infirmary
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $32.7M
- Total assets
- 4,485
- Members
- 13.8%
- Net-worth ratio
The Infirmary scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $32.7M; members 4,485; net-worth ratio 13.78%; health rank #2,572 of 4,374; healthier than 39th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,572 of 4,374 health · 2025Q4The Infirmary · health 81/100 · $32.7M · 2025Q4
Call Report peers
The Infirmary in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
The Infirmary vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The Infirmary sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
The Infirmary: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.70 pp (0.45% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.77 pp (49.03% vs 59.80%).
Alabama standing for The Infirmary
- Alabama health ordinal: #53 of 89.
- By total assets, The Infirmary is #54 of 89 in Alabama.
- Membership ranks #44 of 89 among Alabama CUs with a reported count (4,485 members).
- One place up in Alabama, AVADIAN (#52) scores 82/100, 1 point higher; one place down, FEDMONT (#54) ties at 81/100.
The Infirmary Call Report trajectory
The Infirmary: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.5% from $32.7M (2025Q4) to $32.5M (2026Q1).
- Net-worth ratio shifted +0.19 pp (13.59% → 13.78%).
At 13.78%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
The Infirmary gives up 19 points in total. Member Growth costs the most, 12.2 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.5 pts
- Member Growth 2.8 pts
- Loan-to-Share Ratio 10.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.78% | -1.08 pp |
| Delinquency Rate | 0.45% | -0.70 pp |
| Return on Assets | 0.33% | -0.37 pp |
| Member Growth | -3.44% | - |
| Loan-to-Share Ratio | 49.03% | -10.77 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
The Infirmary filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $32.5M | - |
| 2025Q4 | $32.7M | 4,485 |
| 2024Q4 | $32.8M | 4,645 |
| 2023Q4 | $29.1M | 4,626 |
Credit Union Details
- Charter Number
- 21794
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- Mobile
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, The Infirmary runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Mobile Infirmary Boulevard (Main Office) | Mobile, AL |
| Thomas Hospital | Fairhope, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Other-state peers near The Infirmary
Similar total assets
Using this data
- The Infirmary ranks #2,572 of 4,374 nationally on financial health and #53 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wcu Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wcu Credit Union
Frequently Asked Questions
Is The Infirmary financially healthy?
On its 2025Q4 NCUA 5300 filing, The Infirmary scores 81/100 (Excellent), with a 13.78% net worth ratio and 0.45% of loans delinquent. It ranks #2,572 of 4,374 nationally on health and #53 of 89 in Alabama.
How does The Infirmary compare to other credit unions?
The Infirmary scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.45% vs 1.15%). Its widest shortfall is loan-to-share ratio (49.03% vs 59.80%).
How can I join The Infirmary?
The Infirmary 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 The Infirmary directly for the exact boundaries and application steps.
Is my money safe at The Infirmary?
The Infirmary is a federal credit union; its shares are federally 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. The Infirmary's net worth ratio of 13.78% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.