# THE INFIRMARY
Mobile, AL · NCUA charter 21794 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-infirmary-21794

Who the members are: federal charter, service (single sponsor), organized 1974, low-income designated. 4,480 members of 25,000 potential (17.9% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $32.5M |
| Members | 4,480 (-2.5% YoY) |
| Full-time staff | 12 |
| Net worth | $4.5M |
| Net worth ratio | 13.8% (p43 of band) |
| ROA (annualized) | 0.48% (p46 of band) |
| Total delinquency | 0.26% (p34 of band) |
| Net charge-offs (annualized) | -0.11% (p11 of band) |
| Loans / shares | 48% (p36 of band) |
| Cash / assets | 26.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.57% (p37 of band) |
| Operating expense / assets | 6.05% (p90 of band) |
| Vehicles % of loans | 74% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.29% (p43 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 7% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 9% |
| Average share balance | $2,998 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $10,070 |
| Loans granted, annualized | $5.1M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 3 | delinquency rising, auto monoline |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | delinquency 2x band |  |
| 2020-03 | 3 |  | delinquency 2x band |
| 2020-06 | 4 | net worth falling, losing money | delinquency rising |
| 2020-09 | 5 | delinquency 2x band |  |
| 2020-12 | 5 | margin squeeze | delinquency 2x band |
| 2021-03 | 3 |  | expense trap, losing money |
| 2021-06 | 3 | expense trap, delinquency 2x band | net worth falling, margin squeeze |
| 2021-09 | 2 |  | expense trap |
| 2021-12 | 4 | expense trap, charge-offs p90 |  |
| 2022-03 | 4 | delinquency rising | charge-offs p90 |
| 2022-06 | 3 |  | delinquency rising |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | expense trap |
| 2023-03 | 3 | losing money |  |
| 2023-06 | 1 |  | delinquency 2x band, losing money |
| 2023-09 | 2 | delinquency 2x band |  |
| 2023-12 | 4 | expense trap, assets shrinking |  |
| 2024-03 | 2 |  | expense trap, assets shrinking |
| 2024-06 | 2 | net worth falling | delinquency 2x band |
| 2024-09 | 1 |  | net worth falling |
| 2024-12 | 2 | loan book shrinking |  |
| 2025-03 | 1 |  | loan book shrinking |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | members leaving |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | members leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-01-18 [Alabama’s Coast Guard families face disaster as shutdown drags on - AL.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxOUDJXM3htOXdVWHFCT2tOb2tkd241ek5yRUlQb1lxUG80SXFWRzVxV2NNT2pqeHc2NGMtNzNwMGhqZTJKRmVfQWhVZ05oOGtpeWFaWGdGSlkwV1c0eE92ZW1ZeXk4OGVrM3EyVHhtQnc4LTU0RkJLLXJTa0s5TmxjemVaeUFvUTF6LVliZWdrSlhmbGVYZTl0b1JySFI2UU9YdlJB0gG3AUFVX3lxTE55SENtMXJzajZiTkZ2bGxxR2ZPSk92cUFYX2RDc1A5SEE3WFdMQ3BjQUtIalU2OE9VTVJsOHNNektjbERvZzI4aHhyakx5b1p6RE1DYXU3TTV4b2xER216a2tvekhnMDZLb3prTUt5VXoxRjlOdFQySU1pemVwbTFjVlh1ZDRWU2JoTDFzMm15cnNkSmhLcG54X0lIQUp0UlFMRktvV2Z4aEVDaU1oUjdtSXVKWDdoOA?oc=5) · AL.com
- 2022-05-26 [St. Thomas Infirmary Gets Facelift On Labour Day - jis.gov.jm](https://news.google.com/rss/articles/CBMidkFVX3lxTE9fZGxUNlNZX3h2QlVid1VOR0o2OXM4UTBURjNKemMweWI4c1V1c09uaVI2QWlOVGpJWGYwYzVwVUtDV3NRa29DdWxuOG5sUFBkeWYxWUw4X1B0X2xEcU40RmZ0bDZwQ1Q2c2doNGExMFZvRmFhTGc?oc=5) · jis.gov.jm
- 2019-07-31 [Raymond Mombourquette Obituary - Halifax, NS - Dignity Memorial](https://news.google.com/rss/articles/CBMikwFBVV95cUxPeGhocEZVQ3h1RHdmMHpFMVdfbXlHZmVlMmRubGZlZG9JczdmTTFLS0ZfbzRIVWxxX3IxRV9LVWs0bEZLbVprMWlNSUZ1WFk5cFVmQ1pCNnpKTTJZZVoyX1JaaTkyNmVoUVRwdWdtLWFncXVET3Zrc1FkZXpUc19RSW9wMmY2OXljQ2sxWWRQN29aTjQ?oc=5) · Dignity Memorial
- 2016-03-30 [C&WJ treats infirmary residents - jamaica-star.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOU1g5enZiSjdiVk8tVy1HV3Jud0VoTzlPQ3NRZzJ4YUFtb01RemQxMjhNUU9YODFLLXA4Z2piblY1UTcwdG12TjRkNTJLUTdvamNHaXN3RFlucnBPNFNBb2Y4R1pzZzFsd1YzNHVPSTF6ZHdpRnRDandLVmEtVzlJcVhLaw?oc=5) · jamaica-star.com
- 2022-09-01 [Kings Hill man wins Dominica Infirmary grand raffle - Dominica News Online](https://news.google.com/rss/articles/CBMipAFBVV95cUxPYmpUcWwtY0ZLQmNDOFhRX0xoMk81ZXlpRk5YdWlxUFZDRHVNS3A3a3JGeGYzbzFTVkFYSUhReDF0cmhQTWkyT1ZLcnFmdy11WGVFS3JhY1ZnVm5BVW42NC1vQkZxS1hzVWlsQkhXdTdlT3lWcW55U1pvMVlDdjY0b0pxNkVLV19EWjZCSlp5Y2htNGNtRDQ5U2JIRC1fcldOcWw1MA?oc=5) · Dominica News Online
- 2022-03-29 [Mobay Institutions Carry Out Earthquake Simulations - jis.gov.jm](https://news.google.com/rss/articles/CBMie0FVX3lxTE16RTA5UXdDSGtCWHptUW9kWWtzb2NEQVBhaVp3OWJLc2JIODFlMGlxR21VOWRmN3RXSkJudXhHd3NUT2dQWGd2SmpGYnlwY2hQTG1iWnRGeFVRYnJuNUd1UEN5QVdKSnJhRkU3Mk5sbUN4NnZIbl91dlRLYw?oc=5) · jis.gov.jm

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21794 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/34.json (key "21794", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=21794
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide