AOD Credit Union

AOD Credit Union is headquartered in Bynum and is the 15^st largest credit union in the state of Alabama. It is also the 788^th largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 69 employees and 30,372 members. AOD Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics AOD NCUA # 6680 BankRate Report View Year Chartered 1950 Employees 69 Primary Regulator Assets and Liabilities Assets $228.91 million Loans $127.84 million Deposits $200.16 million Equity Capital $31.78 million Loan Loss Allowance $820,000 Unbacked Noncurrent Loans $1.25 million Real Estate Owned $89,000 Historic Data - December 2010 Assets $220.41 million Equity Capital $29.53 million Loan Loss Allowance $740,000 Unbacked Noncurrent Loans $1.13 million Real Estate Owned $63,000 Profit Margin - Quarterly Net Interest Margin 4.91% Return on Assets 1.03% Return on Equity 7.42% Interest Income $8.49 million Non-Interest Income $4.93 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 AOD Credit Union had $1.34 million in non-current loans and owned real-estate with $32.6 million in equity and loan loss allowances on hand to cover it. This gives AOD Credit Union a Texas Ratio of 4.11% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for AOD Credit Union held steady from 3.93% as of December 31, 2010 to 4.11% as of December 31, 2011, resulting in a negative change of 4.57%. This indicates that the balance sheet and financial strength for AOD Credit Union has held steady in recent periods. Deposit Growth In the past year, AOD Credit Union has increased its total deposits by $11.02 million, resulting in 5.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth AOD Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. AOD Credit Union has $228.91 million in assets with $32.6 million in equity, resulting in a capitalization level of 14.24%, which is excellent.