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
- HEALTH 88/100
- NW 16.2%
- DELQ 1.04%
- ROA 1.34%
- ASSETS $453.3M
- MEM 37,663
- RANK #1,409/4,374
- PHOTO Public Service
- BOOK 6680
Call Report peers
AOD in the assets neighbourhood
AOD's $453.3M assets sit next to Public Service ($452.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
AOD - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6680. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for AOD
AOD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $453.3M (2025Q4) to $462.0M (2026Q1).
- Net-worth ratio shifted -0.02 pp (16.18% → 16.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for AOD, both outside Alabama so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($453.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is AOD financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - AOD's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,409 of 4,374; by total assets it ranks #795 of 4,374 nationally (same basis as /rankings/largest); and #16 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.16% net worth ratio and 1.04% delinquency rate are the key drivers.
How does AOD compare to other credit unions?
88/100 is AOD's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like AOD are 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."
What rates does AOD offer compared to banks?
Credit unions like AOD are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact AOD directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.