Sep, 30, 2025 — AOD FEDERAL CREDIT UNION is a federal credit union headquartered in OXFORD, AL with 6 branch locations and about $447.35 million in total assets. Opened 76 years ago in 1950, AOD FEDERAL CREDIT UNION has about 37,672 members and employs 86 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | AOD FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 12 Elm St OXFORD, AL 36203 |
| Phone: | (256) 237-9494 |
| Fax: | (256) 237-3285 |
| Website: | https://www.aodfcu.com |
| Branches: | 6 branch locations |
| Members: | 37,672 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 6680 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1950 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $447,352,304 |
| CEO/Manager: | Virginia Bowen |
| Chairperson: | Bobby Israel |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 26,490,583 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 109,044,028 |
| Unsecured Loans | 27,136,944 |
| Other Loans | 124,033,323 |
| TOTAL LOANS | 260,214,295 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,151,000 |
| Land And Building | 9,495,512 |
| Other Fixed Assets | 1,250,826 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,645,144 |
| All Other Assets | 234,382 |
| TOTAL ASSETS | 447,352,304 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 84,768 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,363,423 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 62,143,443 |
| Regular shares | 215,121,123 |
| All Other Shares & Deposits | 104,078,634 |
| TOTAL SHARES & DEPOSITS | 381,343,199 |
| TOTAL LIABILITIES | 383,791,390 |
| Regular Reserve | 0 |
| Other Reserves | -7,951,813 |
| Undivided Earnings | 71,512,727 |
| TOTAL EQUITY | 63,560,914 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 447,352,304 |
| INCOME & EXPENSE | |
| Loan Income | 10,685,055 |
| Investment Income | 4,871,105 |
| Other Income | 3,072,678 |
| Total Employee Compensation & Benefits | 5,195,532 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,838,767 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,216,163 |
| Cost of Funds | 2,301,501 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,769,152 |
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