AOD Credit Union Profile

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AOD

Charter #6680 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (256) 237-9494

Fax: (256) 237-3285

Founding Date: N/A

Website: http://www.aodfcu.com

Personnel & Operations

President: Israel, Bobby

Manager: Bowen, Virginia

FT Employees: 85

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 98

Branches: 6

Hours: M-F 9AM - 5PM SAT 8AM - 12 Noon

Credit Union Profile Summary

AOD is a FCU Credit Union. With a total of 37,660 members [1], this institution manages approximately $442,678,402 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 15.84% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 4.58% [1].

Financial Snapshot

Total Assets [1]
$442,678,402

Total economic resources.

Total Loans [1]
$243,200,685

Total value of outstanding loans.

Total Deposits [1]
$380,838,790

Total funds deposited by members.

Members [1]
37,660

Number of active members.

Performance Ratios

Net Worth Ratio [1]
15.84%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.55%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
63.86%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 3.54%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 4.58%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 0.10%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

12 Elm St

Oxford, AL, 36203
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 7 branches reported by AOD (Charter #6680).

Main Office

Oxford Main Office

Type: Corporate Office

12 Elm St

Oxford, AL 36203

Phone: (256) 237-9494

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Anniston

Depot 141

Type: Branch Office

7 Frankford Ave Bldg 141

Anniston Army Depot

Anniston, AL 36201-4199

Phone: (256) 237-9494

Services: Member Services, ATM

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Greenbrier

Type: Branch Office

216 Greenbrier Dear Rd

Anniston, AL 36207-6610

Phone: (256) 237-9494

Services: Member Services, ATM, Drive-Thru

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Lenlock

Type: Branch Office

150 Bill Robison Pkwy

Anniston, AL 36206-2623

Phone: (256) 237-9494

Services: Member Services, ATM, Drive-Thru

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Bynum

Bynum Main

Type: Branch Office

334 Victory Drive

Bynum, AL 36253

Phone: (256) 237-9494

Services: Member Services, ATM, Drive-Thru

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Jacksonville

Jacksonville

Type: Branch Office

1060 JD & L Dr SW

Jacksonville, AL 36265

Phone: (256) 237-9494

Services: Member Services, ATM, Drive-Thru

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Pell City

Pell City

Type: Branch Office

275 Vaughn Spur

Pell City, AL 35128-8000

Phone: (256) 237-9494

Services: Member Services, ATM, Drive-Thru

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