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P.O. Box 115
Oakdale, WI 54649

Oakdale Credit Union is headquartered in OAKDALE and is the 64th largest credit union in the state of Wisconsin. It is also the 2,112st largest credit union in the nation. It was established in 1953 and as of December of 2013, it had grown to 23 employees and 10,197 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 Q4 2013

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 funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Oakdale Credit Union had $1.43 million in non-current loans and owned real-estate with $4.62 million in equity and loan loss allowances on hand to cover it. This gives Oakdale Credit Union a Texas Ratio of 30.92% 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 increased slightly from 19.95% as of December 31, 2012 to 30.92% as of December 31, 2013, resulting in a negative change of 55.02%. 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 $4.39 million, resulting in 9.02% 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 $57.57 million in assets with $4.62 million in equity, resulting in a capitalization level of 8.02%, which is average.

Institution Statistics

NCUA #67200
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$57.57 million
Loans$47.86 million
Deposits$53.12 million
Equity Capital$4.18 million
Loan Loss Allowance$435,000
Unbacked Noncurrent Loans$1.35 million
Real Estate Owned$80,000
Historic Data - December 2012
Assets$52.98 million
Equity Capital$4.12 million
Loan Loss Allowance$351,000
Unbacked Noncurrent Loans$1.35 million
Real Estate Owned$54,000
Profit Margin - Quarterly
Net Interest Margin3.99%
Return on Assets0.1%
Return on Equity1.36%
Interest Income$2.11 million
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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
0.45%$250-24 Month Share CD
0.40%$250-18 Month Share CD
0.35%$250-15 Month Share CD
0.30%$250-12 Month Share CD
0.25%$250-9 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

0.45%$250-24 Month Share IRA
0.30%$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