The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 3 points (92 → 89), mostly because the earnings component weakened by 9 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Alabama

Yes. Aod Federal Credit Union is a federally insured credit union (NCUA charter #6680). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.6% of shares and deposits ($18.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.36%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Aod Federal Credit Union lists 5 offices in 5 cities. Most locations:

• Anniston, AL (1)
• Bynum, AL (1)
• Jacksonville, AL (1)
• Oxford, AL (1)
• Pell City, AL (1)

All branch addresses and map

In 2025, Aod Federal Credit Union reported 54 home-loan applications under HMDA (LEI 254900N59TICVY7K7T48): 42 originated ($9,760,000 total), 5 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Aod Federal Credit Union

Type

Federal credit union

NCUA charter #

6680

RSSD ID

995384

Primary regulator

NCUA

Established

1950

Headquarters

PO Box 608, Bynum, AL 36253

Employees

82