The Infirmary Federal Credit Union Mobile, Alabama
The Infirmary Federal Credit Union is a federal credit union headquartered in Mobile, AL, established in 1974 (NCUA charter 21794), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,483 members and total assets of $32.6M (down 2.2% from Q2 2025), the 53rd largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 13.99% at Q2 2026, in the well capitalized band.
Also written as Infirmary FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 21794
- Headquarters
- Mobile, AL
- Established
- 1974
- Total assets, Q2 2026
- $32.6M
- Assets vs Q2 2025
- -2.2%
- Members, Q2 2026
- 4,483
- Net worth ratio, Q2 2026
- 13.99%
- Latest call report
- Q2 2026, NCUA 5300 · The Infirmary Federal Credit Union call report
- Asset rank in state
- 53rd of 87 in Alabama
- Routing number
- 265176232
- Branches
- 2
It has 81 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was up 1.10 percentage points from 12.89% on June 30, 2025. Used vehicle loans are its largest loan category, $6.0M of $13.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.63% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 13.99% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Alabama
Frequently asked about The Infirmary Federal Credit Union
How big is The Infirmary Federal Credit Union?
At Q2 2026 it reported total assets of $32.6M and 4,483 members.
Where is The Infirmary Federal Credit Union headquartered?
It is headquartered in Mobile, AL, United States.
When was The Infirmary Federal Credit Union founded?
It was established in 1974, per NCUA records.
Is The Infirmary Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 21794): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates The Infirmary Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is The Infirmary Federal Credit Union well capitalized?
Its net worth ratio was 13.99% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is The Infirmary Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.63% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is The Infirmary Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 47.34% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Mobile, AL 36607
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1974
- NCUA Charter #
- 21794
- RSSD ID
- 172587
- Members
- 4,483
- Potential members
- 25,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.99% | 14.31% | 47th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.99% | 0.72% | 62nd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.05% | 4.74% | 65th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.80% | 3.93% | 45th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 85.53% | 79.83% | 38th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.65% | 0.78% | 58th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.63% | 0.86% | 62nd above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.45% | 4.70% | 37th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 47.34% | 58.92% | 33rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$32.6M total assets against $33.4M; $28.0M total shares and deposits against $29.1M; $13.3M total loans against $13.8M.
$4.6M net worth against $4.3M.
13.99% net worth ratio against 12.89%.
47.34% loan-to-share ratio against 47.58%.
0.63% delinquency ratio against 0.53%.
0.99% return on assets against 0.52%; 7.05% return on equity against 4.02%.
3.80% net interest margin against 3.43%.
4,483 members against 4,564.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.99% | 0.99% | 0.63% | 47.34% |
| March 31, 2026 | 13.78% | 0.48% | 0.26% | 48.33% |
| December 31, 2025 | 13.59% | 0.62% | 0.45% | 49.03% |
| September 30, 2025 | 13.41% | 1.14% | 0.36% | 50.00% |
| June 30, 2025 | 12.89% | 0.52% | 0.53% | 47.58% |
| March 31, 2025 | 12.98% | 0.65% | 0.75% | 48.23% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.