THE INFIRMARY
Charter #21794 · Mobile, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,480 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.11% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 92.51% sits at the 77th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 74th — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | THE INFIRMARY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $32.54M | 67th pct | 59th pct |
| Members | 4,480 | 94th pct | 90th pct |
| Net worth ratio | 13.78% | 51th pct | 57th pct |
| Return on average assets | 0.48% | 40th pct | 38th pct |
| Net interest margin | 3.56% | 37th pct | 30th pct |
| Cost of funds | 0.91% | 53th pct | 74th pct |
| Loan-to-share | 48.33% | 34th pct | 51th pct |
| Delinquency 60+ days | 0.26% | 33th pct | 34th pct |
| Net charge-off ratio | -0.11% | 9th pct | 8th pct |
| Loan growth YoY | -4.03% | 38th pct | 41th pct |
| Share growth YoY | -0.71% | 21th pct | 20th pct |
| Efficiency ratio | 92.51% | 77th pct | 77th pct |
structural peer set hash: 0be9bf8e58d5630e5aa7486975cbc0ec… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.