AOD Federal Credit Union is headquartered in Oxford and is the 17th largest credit union in the state of Alabama. It is also the 803rd largest credit union in the nation. It was established in 1950 and as of March of 2025, it had grown to 85 employees and 37,556 members at 6 locations. AOD Federal Credit Union has an A health rating.
Field of Membership Restrictions
Membership in AOD Federal Credit Union is open to 61 underserved census tracks within ten Alabama counties. Military and civilian employees and contractors who work at the Anniston Army Depot, active or retired members of the armed forces living in select counties in northeast Alabama, employees of the U.S.D.A. Soil Conservation Service Area 2 in Alabama, and other select groups are eligible for membership.
See current membership details
Rude, Condescending, Unhelpful
Do not join this institution. Banking services are rarely given to people
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 6680 |
| Year Chartered | 1950 |
| Employees | 85 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.88% |
| Return on Equity - YTD | 6.73% |
| Annual Interest Income | $5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $441.7MM$434.6MM |
| Loans | Q1 2025vs Q1 2024 | $240.7MM$230.5MM |
| Deposits | Q1 2025vs Q1 2024 | $382.3MM$395.3MM |
| Equity Capital | Q1 2025vs Q1 2024 | $57.4MM$39.2MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $2.3MM$2.4MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $517K$525K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |