AOD

Bynum, AL · 1 · Charter #6680 · www.aodfcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$453.3M
51th percentile
Members
37,663
71th percentile
Total loans
$262.8M
41th percentile
Total shares
$396.4M
52th percentile

Profitability

Return on assets
1.89%
93th percentile
Net interest margin
3.94%
79th percentile
Efficiency ratio
57.21%
60th percentile
Non-interest income ratio
23.36%
74th percentile

Capital & Risk

Net worth ratio
16.18%
94th percentile
Delinquency rate
1.04%
26th percentile
Net charge-off rate
0.63%
29th percentile
Loan-to-share
66.31%
21th percentile

Growth

Member growth YoY
0.29%
46th percentile
Asset growth YoY
4.53%
44th percentile
Loan growth YoY
12.12%
87th percentile
Share growth YoY
3.18%
37th percentile

Operations

Members / branch
6,277
76th percentile
Assets / member
$12,035
13th percentile
Field of membership penetration
15.94%
81th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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