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
- CHARTER 81/100
- NCUSIF 13.8%
- CAMELS 0.45%
- HEALTH 0.33%
- NW $32.7M
- DELQ 4,485
- ROA #2,572/4,374
- ASSETS Medisys Employees
- MEM 21794
Call Report peers
The Infirmary in the assets neighbourhood
The Infirmary's $32.7M assets sit next to Medisys Employees ($32.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
The Infirmary - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #21794: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
The Infirmary Call Report trajectory
The Infirmary: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.5% from $32.7M (2025Q4) to $32.5M (2026Q1).
- Net-worth ratio shifted +0.19 pp (13.59% → 13.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for The Infirmary, both outside Alabama so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($32.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is The Infirmary financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - The Infirmary's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,572 of 4,374; by total assets it ranks #2,788 of 4,374 nationally (same basis as /rankings/largest); and #54 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.78% net worth ratio and 0.45% delinquency rate are the key drivers.
How does The Infirmary compare to other credit unions?
81/100 is The Infirmary's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like The Infirmary are 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."
What rates does The Infirmary offer compared to banks?
Credit unions like The Infirmary are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact The Infirmary directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.