Average User Rating:
2 star rating based on 1 review.

Oakdale Credit Union

P.O. Box 115
Oakdale, WI 54649
888.242.8115
www.oakdalecu.coop

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Oakdale Credit Union is headquartered in OAKDALE and is the 66^th largest credit union in the state of Wisconsin. It is also the 2,243^rd largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 22 employees and 9,304 members. Oakdale Credit Union has a 3-star health rating.

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See Rates for: Checking | Savings | CD | IRA

Oakdale Credit Union Checking Account Rates

Apy	Min	Max	Product
0.20%	$2,500	-	First Insured Share Draft
0.05%	$500	-	Share Draft

Oakdale Credit Union Savings Account Rates

Apy	Min	Max	Product
0.35%	-	-	Christmas Club
0.25%	-	-	Share IRA
0.25%	-	-	Share Roth IRA
0.25%	-	-	Share Educational IRA
0.20%	$25	-	Share Passbook Savings
0.20%	$25	-	Health Savings Account (HSA)

Oakdale Credit Union CD Rates

Apy	Min	Max	Product
1.21%	$500	-	42 Month Share CD
1.11%	$500	-	36 Month Share CD
1.00%	$500	-	30 Month Share CD
0.90%	$500	-	24 Month Share CD
0.80%	$500	-	18 Month Share CD
0.70%	$500	-	15 Month Share CD
0.60%	$500	-	12 Month Share CD
0.50%	$500	-	9 Month Share CD
0.40%	$500	-	6 Month Share CD
0.30%	$500	-	3 Month Share CD
0.20%	$500	-	1 Month Share CD

Oakdale Credit Union IRA Rates

Apy	Min	Max	Product
0.90%	$500	-	24 Month Share IRA
0.60%	$500	-	12 Month Share IRA

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

OAKDALE
NCUA #	67200
BankRate Report	View
Year Chartered	1953
Employees	22
Primary Regulator
Assets and Liabilities
Assets	$49.75 million
Loans	$39.46 million
Deposits	$45.61 million
Equity Capital	$4.06 million
Loan Loss Allowance	$273,000
Unbacked Noncurrent Loans	$1.26 million
Real Estate Owned	$77,000
Historic Data - December 2010
Assets	$45.47 million
Equity Capital	$3.98 million
Loan Loss Allowance	$194,000
Unbacked Noncurrent Loans	$673,000
Real Estate Owned	$170,000
Profit Margin - Quarterly
Net Interest Margin	4.82%
Return on Assets	0.16%
Return on Equity	2%
Interest Income	$2.19 million
Non-Interest Income	$491,000

Institution Health

Overall Score:

3 out of 5

Texas Ratio
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, 2011 Oakdale Credit Union had $1.34 million in non-current loans and owned real-estate with $4.33 million in equity and loan loss allowances on hand to cover it. This gives Oakdale Credit Union a Texas Ratio of 30.85% which is below 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 increased slightly from 20.21% as of December 31, 2010 to 30.85% as of December 31, 2011, resulting in a negative change of 52.63%. This indicates that the balance sheet and financial strength for Oakdale Credit Union has declined slightly in recent periods.
Deposit Growth
In the past year, Oakdale Credit Union has increased its total deposits by $4.16 million, resulting in 10.04% 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.
Capitalization
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 $49.75 million in assets with $4.33 million in equity, resulting in a capitalization level of 8.71%, which is average.

Not A Verry Good Credit Union
2 stars

- hkay13ear - Wednesday, December 14, 2011 - 2:08 PM

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.