Tina Mooney, CEO/manager at RAH Federal Credit Union, did nothold back on her long list of criticisms of the Occupymovement.

Mooney, who first contacted Credit Union Times througha recent email, said she is confused about the Occupy message and does not blame credit unions for keepingtheir distance.

“If they had a clear message in the beginning and went about itin a more civilized manner, one might have listened andsympathized, however, these are mostly a bunch of spoiled, selfish,dopey, left-wing idiots,” Mooney wrote.

Mooney said she has been a member of the $14 million RAH FCU inRandolph, Mass., for 30 years and has worked there for 12years.

In the email, she goes on to question the Occupy movement'smotives for promoting credit unions, saying, “I do not believe theycare about CUs, per se; but they just want to punish the banks andobviously people have to put their money and perform theirfinancial business somewhere so CUs just happen to be in favor with'occupy' at the moment.”

Credit Union Times followed up with Mooney on Monday,when she continued to criticize Occupy demonstrators, many who havecalled for wealth equality and have railed against the bankingindustry. Nationwide, Occupy has encouraged people to join creditunions and community banks.

Mooney, however, said Occupy money would not be welcomed at RAHFCU.

“I wouldn't want them to come over here and open an account. Idefinitely would not want that because it would be nuisance money,”Mooney said. “We would have all kinds of guidelines, especially ifthey're bringing in something like $10,000 in cash.”

For the most part, credit unions have not affiliated with theOccupy movement although pockets of support have sprung upacross the country.

Mooney also questioned if Occupy demonstrators really know what credit unions are.

“Kids today don't know credit unions. We don't do a good job ofgetting the word out,” she acknowledged, but reiterated herskepticism on Occupy promoting credit unions.

One of RAH FCU's offices is located in Randolph, an area 20minutes south of Boston. Occupy Boston has had a strong followingthat is currently pursuing an injunction that would bar the cityfrom removing demonstrators from their encampment site.

Mooney said she is disgusted with Occupy Boston.

“Look at the news clips. Drugs, needles, pot, filth, rape,stench, and God knows what else. Who would want to be affiliatedwith that? This is not the kind of movement you want to drivepeople to. They're out of control.”

Beneath some of the complaints the Occupy movement has voiced,Mooney suggested looking closer at the housing market downturn andstudent loan debt.

“School debt? Let them work it out like many previousgenerations,” Mooney said. “Go to a state school. Get a part-timejob.”

She spoke of her niece, a single mom, who's “doing it” and agrandson paying $900 a month to pay off student loans. She said shehas seen many teachers who are members of the credit union pay forcollege costs on their own.

Regarding the housing market collapse, Mooney wondered why noone could see the impact of issuing so-called no-doc loans.

“They didn't have full time or steady jobs, they had too muchdebt and when rates went up and they couldn't afford it, they losttheir homes,” she said. “If you can't afford a house, you shouldn'ttry to get one.”

Mooney said Randolph and Brockton have become less thandesirable parts of Boston. The credit union was originally formedto serve teachers but had its charter amended to include employeesof six towns and some small select employee groups.

A merger with a credit union that served members of the NationalGuard “fell by the wayside' due to not having a liaison, shesaid.

Mooney reiterated she had little sympathy for what Occupydemonstrators are protesting.

“If they want to protest the state of the country right now, whydon't they protest the White House or [Mass. Rep.] Barney Frank's house, as this housing crisis was brought on[by] Democratic policies run amuck.”