Charter 6680 · Bynum, AL
Aod Federal Credit Union
Aod Federal Credit Union is a federally chartered credit union in Bynum, Alabama, with $467 million in assets and 37,793 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 16.36%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $467 million
- +5.4% in a year
- Members
- 37,793
- +0.4% in a year
- Net worth ratio
- 16.36%
- Peer median 11.65%
- Loans 60+ days late
- 0.53%
- Peer median 0.70%
- Loans outstanding
- $252 million
- +3.8% in a year
- Shares and deposits
- $395 million
- +3.8% in a year
- Branches
- 6
- 82 employees
- Opened
- 1950
- Federal charter
How Aod Federal Credit Union compares
NCUA groups credit unions by size; Aod Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 16.36% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.53%, is lower than the group median of 0.70%. Loans grew 3.8% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 18 of 88 credit unions headquartered in Alabama. See all Alabama credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $467 million | 37,793 | $252 million | 16.36% | 0.53% |
| Q1 2026 | $462 million | 37,753 | $250 million | 16.16% | 0.73% |
| Q4 2025 | $453 million | 37,663 | $263 million | 16.18% | 1.04% |
| Q3 2025 | $447 million | 37,672 | $260 million | 15.99% | 0.39% |
| Q2 2025 | $443 million | 37,660 | $243 million | 15.84% | 0.37% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 236,261 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for Aod Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Bynum Main
334 Victory Drive, Bynum, AL 36253 - Greenbrier
216 Greenbrier Dear Rd, Anniston, AL 36207 - Lenlock
150 Bill Robison Pkwy, Anniston, AL 36206 - Oxford (main office)
12 Elm St, Oxford, AL 36203 - Jacksonville
1060 Jd & L Dr Sw, Jacksonville, AL 36265 - Pell City
275 Vaughn Spur, Pell City, AL 35128
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology