The Infirmary
Mobile, AL · Charter 21794 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$32.6MAssets
$13.3MLoans
$28.0MShares
$4.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 60% of credit unions under $1B in assets (rank 679 of 1683).
- Widest gap: efficiency ratio trails 80% of credit unions under $1B in assets (rank 1346 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.73%
Rank 849 of 1,683
Net Interest Margin
3.68%
Rank 966 of 1,683
Efficiency Ratio
88.94%
Rank 1,346 of 1,682
Equity / Assets
13.99%
Rank 679 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.35% | 0.74% | 1.18% | Beats 50% | 849 / 1,683 | | |
| Return on Equity | 5.22% | 2.67% | 5.89% | 8.74% | Beats 44% | 940 / 1,681 | | |
| Net Interest Margin | 3.68% | 3.31% | 3.82% | 4.32% | Beats 43% | 966 / 1,683 | | |
| Efficiency Ratio | 88.94% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,346 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.26% | 0.65% | 1.29% | Beats 51% | 822 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.99% | 10.44% | 12.89% | 16.53% | Beats 60% | 679 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.99% | 10.44% | 12.89% | 16.53% | Beats 60% | 679 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 47.34% | 52.61% | 69.38% | 83.50% | 19th pctl | 1,364 / 1,683 | | |
| Loans / Assets | 40.69% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,344 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |