Federal credit union · Apple Grove, West Virginia · NCUA charter #22681
Twin Oaks
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $6.1M
- Total assets
- 1,264
- Members
- 12.4%
- Net-worth ratio
Twin Oaks scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.1M; members 1,264; net-worth ratio 12.36%; health rank #1,451 of 4,374; healthier than 65th of scored peers.
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NCUA 5300 Call Report Masthead
#1,451 of 4,374 health · 2025Q4Twin Oaks · health 88/100 · $6.1M · 2025Q4
Call Report peers
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Twin Oaks vs every NCUA-scored credit union
Twin Oaks sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Twin Oaks vs $2M–$10M peers
- Loan-to-Share Ratio leads the peer set - 102.73% here, 63.60% peer average (+39.13 pp).
- Largest lag: Net Worth Ratio at 12.36% vs peer 19.06% (-6.70 pp).
Where Twin Oaks sits in West Virginia
- Health composite ranks #18 of 74 among scored West Virginia credit unions.
- West Virginia assets place: #62 of 74.
- West Virginia membership ordinal: #49 of 74.
- One place up in West Virginia, Raleigh Co. Educators (#17) ties at 88/100; one place down, First Priority (#19) ties at 88/100.
How Twin Oaks's 5300 filing moved
Twin Oaks: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +9.0% from $6.1M (2025Q4) to $6.6M (2026Q1).
- Net-worth ratio shifted -0.99 pp (13.35% → 12.36%).
This credit union's 12.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Twin Oaks gives up 12 points in total. Loan-to-Share Ratio costs the most, 5.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 9.5 pts
Twin Oaks vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.36% | -6.70 pp |
| Delinquency Rate | 0.79% | -1.02 pp |
| Return on Assets | 0.51% | +0.05 pp |
| Member Growth | 2.02% | - |
| Loan-to-Share Ratio | 102.73% | +39.13 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.6M | - |
| 2025Q4 | $6.1M | 1,264 |
| 2024Q4 | $6.2M | 1,239 |
| 2023Q4 | $6.9M | 1,284 |
Credit Union Details
- Charter Number
- 22681
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- West Virginia
- City
- Apple Grove
- Data Quarter
- 2025Q4
Branch Locations (2)
Twin Oaks operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Apple Grove Office (Main Office) | Apple Grove, WV |
| Point Pleasant Office | Point Pleasant, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
Other-state peers near Twin Oaks
Similar health score
Using this data
- Twin Oaks ranks #1,451 of 4,374 nationally on financial health and #18 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Huntington West Va Firemens is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Huntington West Va Firemens
Frequently Asked Questions
Is Twin Oaks financially healthy?
Twin Oaks has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,451 of 4,374 nationally on health and #18 of 74 in West Virginia. Its net worth ratio is 12.36% and its delinquency rate 0.79%.
How does Twin Oaks compare to other credit unions?
Twin Oaks scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (102.73% vs 63.60%). Its widest shortfall is net worth ratio (12.36% vs 19.06%).
How can I join Twin Oaks?
Twin Oaks operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Twin Oaks directly for the exact boundaries and application steps.
Is my money safe at Twin Oaks?
Twin Oaks is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Twin Oaks's net worth ratio of 12.36% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.