Federal credit union · Bynum, Alabama · NCUA charter #6680
AOD
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $453.3M
- Total assets
- 37,663
- Members
- 16.2%
- Net-worth ratio
AOD scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $453.3M; members 37,663; net-worth ratio 16.16%; health rank #1,409 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,409 of 4,374 health · 2025Q4AOD · health 88/100 · $453.3M · 2025Q4
Call Report peers
AOD in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AOD vs every NCUA-scored credit union
AOD sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
Peer-gap read for AOD
- Largest favorable gap: Net Worth Ratio at 16.16% vs peer 12.11% (+4.05 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.89 pp (66.31% vs 72.20%).
AOD in Alabama
- In Alabama, health place is #28 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, AOD is #16 of 89 in Alabama.
- Member book place in Alabama: #15 of 89.
- One place up in Alabama, Marvel City (#27) ties at 88/100; one place down, All in (#29) ties at 88/100.
Quarter path for AOD
AOD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $453.3M (2025Q4) to $462.0M (2026Q1).
- Net-worth ratio shifted -0.02 pp (16.18% → 16.16%).
This credit union's 16.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
AOD gives up 12 points in total. Member Growth costs the most, 5.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 15.0 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 13.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.16% | +4.05 pp |
| Delinquency Rate | 1.04% | +0.14 pp |
| Return on Assets | 1.34% | +0.72 pp |
| Member Growth | 0.29% | - |
| Loan-to-Share Ratio | 66.31% | -5.89 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $462.0M | - |
| 2025Q4 | $453.3M | 37,663 |
| 2024Q4 | $433.6M | 37,553 |
| 2023Q4 | $438.7M | 37,477 |
Credit Union Details
- Charter Number
- 6680
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- Bynum
- Data Quarter
- 2025Q4
Branch Locations (6)
AOD operates 6 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Oxford (Main Office) | Oxford, AL |
| Greenbrier | Anniston, AL |
| Lenlock | Anniston, AL |
| Bynum Main | Bynum, AL |
| Jacksonville | Jacksonville, AL |
| Pell City | Pell City, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near AOD
Using this data
- AOD ranks #1,409 of 4,374 nationally on financial health and #28 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WINSOUTH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WINSOUTH
Frequently Asked Questions
Is AOD financially healthy?
On its 2025Q4 NCUA 5300 filing, AOD scores 88/100 (Excellent), with a 16.16% net worth ratio and 1.04% of loans delinquent. It ranks #1,409 of 4,374 nationally on health and #28 of 89 in Alabama.
How does AOD compare to other credit unions?
AOD scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (16.16% vs 12.11%). Its widest shortfall is loan-to-share ratio (66.31% vs 72.20%).
How can I join AOD?
AOD 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 AOD directly for the exact boundaries and application steps.
Is my money safe at AOD?
AOD is a federal credit union; its shares are federally 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. AOD's net worth ratio of 16.16% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.