# AOD
Bynum, AL · NCUA charter 6680 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/aod-6680

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated. 37,753 members of 236,261 potential (16.0% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $462.0M |
| Members | 37,753 (0.5% YoY) |
| Full-time staff | 82 |
| Net worth | $74.6M |
| Net worth ratio | 16.2% (p93 of band) |
| ROA (annualized) | 1.14% (p79 of band) |
| Total delinquency | 0.73% (p61 of band) |
| Net charge-offs (annualized) | 0.46% (p59 of band) |
| Loans / shares | 64% (p28 of band) |
| Cash / assets | 12.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.80% (p68 of band) |
| Operating expense / assets | 3.76% (p53 of band) |
| Vehicles % of loans | 15% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 36% |
| Third-party paper % of net worth | 19% (p31 of band) |
| Vehicle delinquency | 0.79% (p65 of band) |
| Vehicle NCO | 0.17% (p19 of band) |
| Repossessed % of vehicle book | 0.50% (p95 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 142% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 15% |
| Average share balance | $5,768 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $72.7M |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $17,767 |
| Loans granted, annualized | $40.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $72.7M outstanding purchased (97.4% of net worth), $0 sold and retained. Sold in 5 and bought in 7 of the last 8 quarters. Shares 2.9% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | 3rd-party paper>100% NW |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 2 | repo signal |  |
| 2022-09 | 2 | charge-offs p90 | repo signal |
| 2022-12 | 1 |  | charge-offs p90 |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | repo signal |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | repo signal |
| 2025-03 | 0 |  |  |
| 2025-06 | 2 | delinquency rising, repo signal |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-08-08 [AOD FCU Expands With Purchase Of Merchants & Farmers Branch - cutoday.info](https://news.google.com/rss/articles/CBMimgFBVV95cUxOX3pVYmxlV3JBREVsNUtFd2lGVlNoTWQ1cEhlZlFHcGxzNVBieUJYNXowRDFVLTR1TkdKOHdvVVFIZmdKWGk1cVNQcVJRTXJib1llWW9iclY5el9UQU14ekRWZjBFeEhMQk9WRjJjZk5aQUdybVVtWFFKOGdRNUFTQzR4bkx0bkhvUjFxYV9jQzFEckdnMUtXLU13?oc=5) · cutoday.info
- 2025-03-04 [AOD Federal Credit Union Data Breach Lawsuit Investigation - ClassAction.org](https://news.google.com/rss/articles/CBMijAFBVV95cUxORHA2NWl3Xzc1VG5KbnBWdG5EaDBpRnF3c0o2akdPLU5lS0NqdXA4bzFoQnU3ZlBfNXVicnlzX2FKQ0ZaSzlJRTNFaFJMa2l3T3BBbGdtb0RNYkxvaTJBVjFoOXhDWkJyQzJ0QU5VdzZidTUxRFJvRXJubjhiTmJIbkdURDVPekY4MmFoNQ?oc=5) · ClassAction.org
- 2025-08-11 [Credit union to buy central AL bank branch - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxObnNROTItQWNSdi1ldEpfQzdWVlR4d3BwQ0dkNVV4V1RIaDl1RzM2SWtIM1JMNXQyaXV3dHZQSllHWExFMVlucENqdnYtXzY4eW5kWDJYR2FtOXVPSktGU2FTTUhlQjhua1dZalk3WW1IQUdmd0dmdXBEVkNoWHVqRzdQS1FlT3NoYjZDZG9JSVJmdXdSTC13OFBFOUpNTTMtdjRhOVpqQ2E1LXM?oc=5) · The Business Journals
- 2026-07-11 [Congrats - The Anniston Star](https://news.google.com/rss/articles/CBMirgFBVV95cUxQMUM4RlRoQjM5MVI4QmRlZi1TYzF4Xy1tLUZxeVR4TWVqWVdCUUZ0dzNFd25BbFZjNG9IbUUyLUltVThaQ2hpbXBUdzFockxfdW02S3lMcENoUE11ZGxRLWVUMTdYUkJmS2ptZHZpeEFPaGQzNlpIT3lDM2NDYkFVVmFyQXNsLVc5bkJYNGg4aUNfR0Q2MDhMdUJ4aE93aTVGcmhxbWdubmdMQkU5UEE?oc=5) · The Anniston Star
- 2026-06-02 [BIO-key International Partners with BlueAlly to Enhance Phishing-Resistant Authentication for AOD Federal Credit Union - Quiver Quantitative](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOLXNHcVNiVlFCSmRqT19jeUMtbnFyVkl2LWdHSmZxc3BTc0VnX2pQbXl3b05tOGZCTHRmUi00WU90MmRsWUc3dWFGZmdLelpoQUU0dEdPN2lqNFBFLW4zN2ZGVEJvOFZVYjAtUzJYZXJTNDI2ZmJoeV85R1hsb3RxMlJsenRoVGtEY21PemsxVVpPY1RCSmwyVHNTb3FzYlZoUUt1cFAzRHVDMDBBZlNfbHNUempkRURpOGJMVGJvWndqNENyTm5PajZ3Sjc3UVBma0lxRlpZU0FpTkdybHVJay1XVEFQdw?oc=5) · Quiver Quantitative
- 2022-12-01 [Summer Tucker Obituary - Anniston, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOZXZPS0JYU01Rbi15dmk1bF83NWhrMzFSSWIwXzVTRVNzQ2p0Mm5vaWRQVnZaMEdYX0FBU0VscXlJVjdBSTlxR3d0RFBtWnI5NlJpM1ZYel9KOWVtUkZ0YV82R09YSlpvN0kzVkt3OXVOWmw4RXNnRnZUc3RGNnF0aDBzbw?oc=5) · Dignity Memorial
- 2021-07-30 [AOD Federal Credit Union cuts the ribbon on Pell City branch - The Anniston Star](https://news.google.com/rss/articles/CBMigAJBVV95cUxOb1Y0dXZTS0J4MmtIRWlpS2ZNb25pa0IyWjBFMy1HX2poUGFmeVRPNDBrLWY4VEVTLVVPYjJvMGlFRWF5TExndG5FU3hVcFBUNGxWV21MZzA4Y3hRWEdjUXFUNFlxZmszTWt2ZHVlMXRuOGstUW92bV9RR0JxUHJwbUhZWEZFT196bUV5MTJRVUdlUmRob3lSWDRaS0M4cjJrZURhU2pGUFd6SnVJbUROb3dTRmFtWUo3ZW1pQkIzTHE1QURZSkwwSm9oX3RhZHpZaGlLbjIwTmhZa0V5YlYyVUp1emN2TlZzc0VIX21rRWNLTTR5c1hSSmIyQy14bmxt?oc=5) · The Anniston Star
- 2026-08-31 [Credit Unions Press Congressional Priorities During August Recess - cutoday.info](https://news.google.com/rss/articles/CBMipAFBVV95cUxOeXZEemZkSmxad0pRa2NmUm5lLTdkcHNzX2ttdmxuS0tSa0R6YU9VQXpJd29BU2EtRDNhVl9fNjZ2elRUMXlMMkJ3YUdqcjZtNVpHVG5qSUZPWU1LVEJxTzB3RXJGMVQ1Y2lzdTRzb0VQbjVxNXNEZWt1cXI5WS1iamVRcjBKQU9WRTV4N1BPV3FaUXdJcWZjbHVmSlFySkp0SzN2Zw?oc=5) · cutoday.info

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6680 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/24.json (key "6680", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=6680
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide