AOD
Federal • Oxford, Alabama • Est. 1950
Quick Facts
- Charter Number
- #6680
- Type
- Federal
- Established
- 1950
- Headquarters
- Oxford, Alabama 36203
- Address
- 12 Elm St
- Branches
- 6
- ATMs
- 6
- Members
- 37,753
- Membership Type
- Occupational
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
37,753 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | AOD |
|---|---|
| Total Assets | $462.0M |
| Members | 37,753 |
| Loans Outstanding | $250.4M |
| Shares & Deposits | $393.6M |
| Net Worth | $74.6M |
| Net Worth Ratio | 16.16% |
| Loan-to-Share Ratio | 63.6% |
| Delinquency Rate | 0.73% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
6 locations · 6 ATMs
Bynum Main
334 Victory Drive
Bynum, AL 36253
Greenbrier
216 Greenbrier Dear Rd
Anniston, AL 36207-6610
Lenlock
150 Bill Robison Pkwy
Anniston, AL 36206-2623
Oxford
Main Office12 Elm St
Oxford, AL 36203
Jacksonville
1060 JD & L Dr SW
Jacksonville, AL 36265
Who Can Join AOD?
Membership Type: Occupational
Membership eligibility for AOD may vary. Contact the credit union directly to confirm qualification requirements.
Contact AOD directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Alabama
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Alabama RankingsFrequently Asked Questions
AOD is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, AOD has 37,753 members and a potential membership field of 236,261 people.
AOD's reported net worth ratio is 16.16% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
AOD operates 6 branch locations and has access to 6 ATMs. The main office is located at 12 Elm St, Oxford, AL 36203.
AOD was established in 1950. It is a federal credit union chartered under charter number 6680. The institution has been serving members for 76 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or AOD. All financial data is for informational purposes only.