West Alabama Bank & Trust vs Aod
Comparing a Bank in Reform, AL with a Credit Union in Bynum, AL using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| West Alabama Bank & Trust ↗ Bank · Reform, AL · Est. 1944 | Aod ↗ Credit Union · Bynum, AL · Est. 1950 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Reform, AL | Bynum, AL |
| Total assets | $928.2M | $462.0M |
| Capital ratio | 10.3% | 16.2% |
| Return on assets | 1.3% | 1.1% |
| Deposits | $808.1M | — |
| Branches | 16 | 37,753 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 93 | #2 of 89 |
| Established | 1944 | 1950 |
West Alabama Bank & Trust
- Assets: $928.2M
- Deposits: $808.1M
- Capital ratio: 10.3%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #1 of 93
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. West Alabama Bank & Trust is FDIC-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, West Alabama Bank & Trust or Aod?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — West Alabama Bank & Trust 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 West Alabama Bank & Trust safe?
Yes — West Alabama Bank & Trust is FDIC-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 West Alabama Bank & Trust vs Aod?
West Alabama Bank & Trust has a capital ratio of 10.3%, placing it in the top 47% of $100M–1B 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 West Alabama Bank & Trust have compared to Aod?
The CFPB database shows 0 complaints against West Alabama Bank & Trust, 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 West Alabama Bank & Trust with other Banks in Alabama
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
