Aod
Aod is a credit union based in Bynum, Alabama, established in 1950, with $462 million in total assets serving 37,753 members. By Trust Grade it ranks 2nd of 89 credit unions we track in Alabama. Its net worth ratio of 16.2% is stronger than 91% of similarly sized credit unions, versus a Alabama median of 14.2%. It was profitable over the most recent period, with a 1.14% return on assets. No consumer complaints against Aod appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Aod compares to Alabama peers
How we graded Aod
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (16.2% capital ratio)
- Strongly profitable (ROA 1.14%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Aod over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Aod insured?
Yes. Aod is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Aod: frequently asked questions
Is Aod a good credit union?
Aod earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (16.2% capital ratio); Strongly profitable (ROA 1.14%).
Is Aod NCUA-insured?
Yes. Aod is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Aod?
Aod holds $462 million in total assets, ranking 2nd of 89 credit unions we track in Alabama. It serves 37,753 members.
Does Aod have CFPB complaints?
No CFPB complaints against Aod appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
