Credit Union Safety Analysis
Is Aod Federal Credit Union Safe? Oxford, Alabama
Based on its Q2 2026 NCUA 5300 call report, Aod Federal Credit Union has a net worth ratio of 16.36%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.53%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Aod Federal Credit Union's net worth ratio is 16.36%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.36%
- Delinquency ratio (60+ days) (Q2 2026): 0.53%
- Return on assets (Q2 2026): 1.48%
- Loan-to-share ratio (Q2 2026): 63.86%
Aod Federal Credit Union (NCUA charter 6680, established 1950) reported $466.7M in assets and 37,793 members for Q2 2026 from Oxford, Alabama. It ranks 18 of 87 credit unions in Alabama by total assets. Total assets grew 5.4% from $442.7M on June 30, 2025. It has 133 more members than on June 30, 2025 (+0.4%). Its net worth ratio was up 0.52 percentage points from 15.84% on June 30, 2025. Commercial loans are its largest loan category, $108.8M of $252.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.53% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 16.16% for Q1 2026; 15.84% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.73% for Q1 2026; 0.37% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.14% for Q1 2026; 2.19% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 63.63% for Q1 2026; 63.86% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $108.8M
- 1- to 4-family residential and other consumer real estate loans: $82.5M
- Used vehicle loans: $28.5M
- Unsecured credit card loans: $10.9M
- Other unsecured loans and lines of credit: $8.5M
- Other secured non-real estate loans and lines of credit: $6.5M
- New vehicle loans: $6.0M
- Non-federally guaranteed student loans: $739K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $466.7M | 16.36% | 0.53% | 1.48% | 63.86% |
| March 31, 2026 | $462.0M | 16.16% | 0.73% | 1.14% | 63.63% |
| December 31, 2025 | $453.3M | 16.18% | 1.04% | 1.60% | 66.31% |
| September 30, 2025 | $447.4M | 15.99% | 0.39% | 1.24% | 68.24% |
| June 30, 2025 | $442.7M | 15.84% | 0.37% | 2.19% | 63.86% |
| March 31, 2025 | $441.7M | 15.33% | 0.21% | 0.88% | 62.95% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Aod Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 6680) · FFIEC NIC profile (RSSD 995384)
Frequently asked questions
Is Aod Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Aod Federal Credit Union's net worth ratio is 16.36%, above the 7% NCUA threshold for well capitalized.
Is Aod Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Aod Federal Credit Union is a federally insured credit union (NCUA charter 6680): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Aod Federal Credit Union's key safety ratios?
For Q2 2026, Aod Federal Credit Union reports net worth 16.36%, delinquency 0.53%, ROA 1.48%, loan-to-share 63.86%.
What happens to my money if Aod Federal Credit Union fails?
For Q2 2026, Aod Federal Credit Union held $395.2M in shares and deposits for 37,793 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.