AOD
Federal • Bynum, Alabama • Est. 1950
Quick Facts
- Charter Number
- #6680
- Type
- Federal
- Established
- 1950
- Headquarters
- Bynum, Alabama 36253
- Address
- PO Box 608
- Branches
- 6
- ATMs
- 6
- Members
- 37,663
- Membership Type
- Occupational
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
37,663 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | AOD |
|---|---|
| Total Assets | $453.3M |
| Members | 37,663 |
| Loans Outstanding | $262.8M |
| Shares & Deposits | $396.4M |
| Net Worth | $73.3M |
| Net Worth Ratio | 16.18% |
| Loan-to-Share Ratio | 66.3% |
| Delinquency Rate | 1.04% |
| Net Income | +$8,577,148 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Alabama RankingsFrequently Asked Questions
Yes. AOD is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, AOD has 37,663 members and a potential membership field of 236,261 people.
AOD's net worth ratio is 16.18% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 16.2%, AOD meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or AOD. All financial data is for informational purposes only.