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Overview / Commentary
608-323-2126
P.O. Box 187
Arcadia, WI 54612

Arcadia Credit Union is headquartered in ARCADIA and is the 60th largest credit union in the state of Wisconsin. It is also the 1,997th largest credit union in the nation. It was established in 1963 and as of December of 2013, it had grown to 15 employees and 5,714 members. Arcadia Credit Union's savings rates are 3X the national average, and it has a C+ health rating.

Field of Membership Restrictions

To join the Arcadia Credit Union, you need to satisfy any one of the following: (1) you work or reside in Trempealeau, Buffalo, La Crosse, Eau Claire, Chippewa, Jackson or Winona County; (2) you have been a member in the past, or (3) you have an immediate family member with an existing account established with Arcadia Credit Union. - See Details

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Health

Data for Q4 2013

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Arcadia Credit Union has a relatively low asset base.

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Arcadia Credit Union had $1.57 million in non-current loans and owned real-estate with $8.27 million in equity and loan loss allowances on hand to cover it. This gives Arcadia Credit Union a Texas Ratio of 19.00% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Arcadia Credit Union increased slightly from 13.96% as of December 31, 2012 to 19.00% as of December 31, 2013, resulting in a negative change of 36.10%. This indicates that the balance sheet and financial strength for Arcadia Credit Union has declined slightly in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Arcadia Credit Union has decreased its total deposits by $-166,000, resulting in -0.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Arcadia Credit Union has shown is average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Arcadia Credit Union has $63.4 million in assets with $8.27 million in equity, resulting in a capitalization level of 13.05%, which is excellent.

Institution Statistics

Overall
NCUA #66532
Year Chartered1963
Employees15
Primary Regulator
Assets and Liabilities
Assets$63.40 million
Loans$51.77 million
Deposits$54.99 million
Equity Capital$7.69 million
Loan Loss Allowance$583,000
Unbacked Noncurrent Loans$1.57 million
Real Estate Owned$0
Historic Data - December 2012
Assets$62.83 million
Equity Capital$7.11 million
Loan Loss Allowance$520,000
Unbacked Noncurrent Loans$1.57 million
Real Estate Owned$120,000
Profit Margin - Quarterly
Net Interest Margin4.65%
Return on Assets0.91%
Return on Equity7.49%
Interest Income$2.93 million
Rates
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Arcadia Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.55%--Christmas Club Share
0.60%$25-Traditional IRA Share
0.60%$25-Roth IRA Share
0.60%$25-Roth Conversion IRA Share
0.60%$25-Coverdell ESA
0.50%$25-Health Savings Account
0.40%$40k-Special Purpose Share
0.15%$25-Fun Share (Dreamsaver Account)
0.15%$25-Super Share
0.05%$25-Regular Share

Arcadia Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$40k-Checking

Arcadia Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-3 Year Share Certificate
0.90%$500-2 Year Share Certificate
0.70%$500-18 Month Share Certificate
0.60%$20k-1 Year Share Certificate
0.50%$500-1 Year Share Certificate
0.50%$5k-1 Year Share Certificate - Monthly Dividends
0.40%$250-9 Month Add On CD
0.30%$500-6 Month Share Certificate
0.20%$500-3 Month Share Certificate

Arcadia Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.60%$2k-1 Year IRA Share Certificate (Traditional,Roth,CESA)
Locations


Arcadia Credit Union Locations
Branch Office535 Dettloff DrArcadia, WI 54612-1737