Tuscaloosa V A vs Aod
Comparing a Credit Union in Tuscaloosa, AL with a Credit Union in Bynum, AL using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Tuscaloosa V A ↗ Credit Union · Tuscaloosa, AL · Est. 1951 | Aod ↗ Credit Union · Bynum, AL · Est. 1950 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Tuscaloosa, AL | Bynum, AL |
| Total assets | $51.6M | $462.0M |
| Net worth ratio | 12.9% | 16.2% |
| Return on assets | 1.1% | 1.1% |
| Shares & deposits | — | — |
| Members | 4,788 | 37,753 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 89 | #2 of 89 |
| Established | 1951 | 1950 |
Tuscaloosa V A
- Assets: $51.6M
- Members: 4,788
- Capital ratio: 12.9%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #4 of 89
Aod
- Assets: $462.0M
- Members: 37,753
- Capital ratio: 16.2%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #2 of 89
Are both institutions federally insured?
Yes. Tuscaloosa V A is NCUA-insured and Aod is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Tuscaloosa V A or Aod?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Tuscaloosa V A scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Tuscaloosa V A safe?
Yes — Tuscaloosa V A is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Aod safe?
Yes — Aod is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Tuscaloosa V A vs Aod?
Tuscaloosa V A has a net worth ratio of 12.9%, placing it in the bottom 40% of <$100M peers. Aod's ratio is 16.2%, placing it in the top 9% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Tuscaloosa V A have compared to Aod?
The CFPB database shows 0 complaints against Tuscaloosa V A, and 0 complaints against Aod. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Tuscaloosa V A with other Credit Unions in Alabama
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
