AOD
Charter #6680 · Bynum, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 37,753 ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 16.16% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.15% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.84% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | AOD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $461.98M | 97th pct | 87th pct |
| Members | 37,753 | 98th pct | 95th pct |
| Net worth ratio | 16.16% | 90th pct | 87th pct |
| Return on average assets | 1.15% | 77th pct | 79th pct |
| Net interest margin | 3.84% | 63th pct | 75th pct |
| Cost of funds | 0.92% | 34th pct | 36th pct |
| Loan-to-share | 63.63% | 33th pct | 44th pct |
| Delinquency 60+ days | 0.73% | 59th pct | 57th pct |
| Net charge-off ratio | 0.45% | 60th pct | 72th pct |
| Loan growth YoY | -3.76% | 12th pct | 13th pct |
| Share growth YoY | 3.21% | 46th pct | 52th pct |
| Efficiency ratio | 72.84% | 31th pct | 30th pct |
structural peer set hash: 48144a9375904af6a20c365b5b0a360c… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.