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128 E Badger Dr
Tomah, WI 54660

Oakdale Credit Union is headquartered in Tomah and is the 64th largest credit union in the state of Wisconsin. It is also the 2,115st largest credit union in the nation. It was established in 1953 and as of March of 2014, it had grown to 22 employees and 10,344 members. Oakdale Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be a patron, member or employee of the Oakdale Electric Co-operative. Also open to those who live or work in Adams, Columbia, Jackson, Juneau, Monroe, Richland, Sauk, Vernon or Wood County. - See Details

Reviews (1)

Not A Verry Good Credit Union

I’ve had the Oakdale credit union as a bank for 6 months’ and they haven’t done a thing for me.  They won’t give me a lone for $200 when I make $350 a week they say my credits bad which I thought that is what they were there for.  They also won’t help me with my credit every time I ask for help they tell me to pay my bills on time and that’s it.  My sister goes to wccu and they do secured loans and all kinds of things for her to help her credit she started out worse than me and has gotten it up enough to get an $8000 lone for a car through them.  I’m going to changed banks as soon as I get paid this week.


Data for Q1 2014

Institution Health

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

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Oakdale Credit Union had $1.07 million in non-current loans and owned real-estate with $4.49 million in equity and loan loss allowances on hand to cover it. This gives Oakdale Credit Union a Texas Ratio of 23.88% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Oakdale Credit Union experienced no significant changes from 20.70% as of March 31, 2013 to 23.88% as of March 31, 2014, resulting in a negative change of 15.35%. This indicates that the balance sheet and financial strength for Oakdale Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Oakdale Credit Union has increased its total deposits by $2.78 million, resulting in 5.33% 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 Oakdale Credit Union has shown is excellent.



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. Oakdale Credit Union has $59.35 million in assets with $4.49 million in equity, resulting in a capitalization level of 7.56%, which is below average.

Institution Statistics

NCUA #67200
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$59.35 million
Loans$46.90 million
Deposits$54.93 million
Equity Capital$4.17 million
Loan Loss Allowance$320,000
Unbacked Noncurrent Loans$745,000
Real Estate Owned$327,000
Historic Data - March 2013
Assets$56.47 million
Equity Capital$4.15 million
Loan Loss Allowance$341,000
Unbacked Noncurrent Loans$745,000
Real Estate Owned$54,000
Profit Margin - Quarterly
Return on Assets-0.07%
Return on Equity-0.96%
Interest Income$522,000
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Oakdale Credit Union Savings Account Rates

0.15%--Share IRA
0.15%--Christmas Club
0.15%--Share Roth IRA
0.15%--Share Educational IRA
0.07%$25-Share Passbook Savings
0.07%$25-Health Savings Account (HSA)

Oakdale Credit Union Checking Account Rates

0.10%$2,500-First Insured Share Draft
0.03%$500-Share Draft

Oakdale Credit Union CD Rates

0.70%$250-42 Month Share CD
0.60%$500-36 Month Share CD
0.50%$250-30 Month Share CD
0.40%$250-18 Month Share CD
0.40%$250-24 Month Share CD
0.35%$250-15 Month Share CD
0.25%$250-9 Month Share CD
0.25%$250-12 Month Share CD
0.15%$250-6 Month Share CD
0.10%$250-1 Month Share CD
0.10%$250-3 Month Share CD

Oakdale Credit Union IRA Rates

0.40%$250-24 Month Share IRA
0.25%$250-12 Month Share IRA

Oakdale Credit Union Locations
Branch Office1643 E Main StReedsburg, WI 53959
Branch Office904 W State StMauston, WI 53948
Branch Office128 E Badger DrTomah, WI 54660