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AOD FEDERAL CREDIT UNION

Sep, 30, 2022 — AOD FEDERAL CREDIT UNION is a federal credit union headquartered in OXFORD, AL with 7 branch locations and about $425.37 million in total assets. Opened 73 years ago in 1950, AOD FEDERAL CREDIT UNION has about 37,066 members and employs 81 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 262286170
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:7 branch locations
Members:37,066
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, 2021
FHLB Member:No
Low Income Designation:No
Assets:$425,370,082
CEO/Manager:Virginia Bowen
Chairperson:Bobby Israel

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Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 18,954,000
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 93,156,025
 Unsecured Loans 21,952,025
 Other Loans 92,330,547
 TOTAL LOANS 207,438,597
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -2,456,369
 Land And Building 10,179,045
 Other Fixed Assets 280,809
 NCUSIF Deposit 3,694,223
 All Other Assets 133,676
  TOTAL ASSETS 425,370,082
LIABILITIES & CAPITAL:  
 Dividends Payable 32,472
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 2,695,605
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 67,266,143
 Regular shares 251,003,322
 All Other Shares & Deposits 68,197,373
  TOTAL SHARES & DEPOSITS 386,466,838
  TOTAL LIABILITIES 389,194,915
 Regular Reserve 0
 Other Reserves -16,744,254
 Undivided Earnings 52,919,421
  TOTAL EQUITY 36,175,167
  TOTAL LIABILITIES, SHARES, & EQUITY 425,370,082
INCOME & EXPENSE  
 Loan Income 5,591,078
 Investment Income 2,199,956
 Other Income 2,708,147
 Total Employee Compensation & Benefits 4,034,127
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 5,080,310
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 505,397
 Cost of Funds 891,649
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,618,304
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