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888-528-2595
850 Woodlake Rd
Kohler, WI 53044

Kohler Credit Union is headquartered in KOHLER and is the 19st largest credit union in the state of Wisconsin. It is also the 740th largest credit union in the nation. It was established in 1938 and as of December of 2013, it had grown to 102 employees and 36,250 members. Kohler Credit Union has a A health rating.

Field of Membership Restrictions

Must live or work in Sheboygan, Calumet, Fond du Lac, Manitowoc, Ozaukee or Washington County. - See Details

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 Kohler Credit Union had $1.34 million in non-current loans and owned real-estate with $25.83 million in equity and loan loss allowances on hand to cover it. This gives Kohler Credit Union a Texas Ratio of 5.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Kohler Credit Union decreased dramatically from 7.71% as of December 31, 2012 to 5.19% as of December 31, 2013, resulting in a positive change of 32.58%.This indicates that the balance sheet and financial strength for Kohler Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Kohler Credit Union has increased its total deposits by $6.68 million, resulting in 2.82% 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 Kohler Credit Union has shown is above average.

Capitalization

GRADE:
B

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. Kohler Credit Union has $268.56 million in assets with $25.83 million in equity, resulting in a capitalization level of 9.62%, which is above average.

Institution Statistics

Overall
NCUA #66872
Year Chartered1938
Employees102
Primary Regulator
Assets and Liabilities
Assets$268.57 million
Loans$201.48 million
Deposits$243.09 million
Equity Capital$23.79 million
Loan Loss Allowance$2.04 million
Unbacked Noncurrent Loans$1.19 million
Real Estate Owned$148,000
Historic Data - December 2012
Assets$259.05 million
Equity Capital$21.04 million
Loan Loss Allowance$1.81 million
Unbacked Noncurrent Loans$1.19 million
Real Estate Owned$595,000
Profit Margin - Quarterly
Net Interest Margin4.07%
Return on Assets0.75%
Return on Equity8.51%
Interest Income$9.05 million
Rates
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Kohler Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$15k-Health Savings Account
0.25%--Christmas Club
0.15%--Escrow Account
0.10%--IRA Share Savings
0.05%--Basic Share
0.05%--Golden Shares
0.05%--Little Savers Club
0.05%--Planet M Account
0.05%--boom! Money & Stuff
0.05%--Secondary Share

Kohler Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$100k-Premium Money Market
0.05%--Fair Share Money Market

Kohler Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.75%$25k-5 Year Share Certificate
0.55%$25k-4 Year Share Certificate
0.40%$25k-3 Year Share Certificate
0.25%$25k-2 Year Share Certificate
0.10%$25k-1 Year Share Certificate
0.05%$500-3 Month Share Certificate
0.05%$500-6 Month Share Certificate

Kohler Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.75%$25k-5 Year IRA Certificate
0.55%$25k-4 Year IRA Certificate
0.40%$25k-3 Year IRA Certificate
0.25%$25k-2 Year IRA Certificate
0.10%$25k-1 Year IRA Certificate
0.05%$2,500-6 Month IRA Certificate
Locations


Kohler Credit Union Locations
Branch Office831 S Taylor DrSheboygan, WI 53081-4770
Branch Office1042 School AveSheboygan, WI 53083-4053
Branch Office3128 S 12th StSheboygan, WI 53081-6759
Branch Office2303 Eastern AvePlymouth, WI 53073-4282
Branch Office724 Madison AveHowards Grove, WI 53083
Branch Office905 S Taylor DrSheboygan, WI 53081
Branch Office2550 Washington StGrafton, WI 53024-9397
Branch Office850 Woodlake RdKohler, WI 53044-1323
Branch Office840 E Green Bay AveSaukville, WI 53080-2617