Apple Grove, West Virginia · Peer group 2
Twin Oaks Credit Union
Twin Oaks Credit Union holds $6.6M in assets across 1,280 members as of Q1 2026 — about $5K of assets per member, on a charter dating to 1977. Charter number 22681, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $6.6M |
|---|---|
| Total loans | $5.4M |
| Total shares (deposits) | $5.8M |
| Net worth | $817K |
| Members | 1,280 |
| Assets per member | $5K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 6.8% | |
|---|---|---|
| Loans | -5.9% | around the 48th percentile of its peer group |
| Deposits | 7.1% | around the 87th percentile of its peer group |
| Members | 11.3% | higher than 97% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 93.4% | higher than 91% of its peer group |
|---|---|---|
| Net worth ratio | 12.4% | around the 24th percentile of its peer group |
| Return on assets | 0.46% | around the 51st percentile of its peer group |
| Delinquency ratio | 0.49% | around the 39th percentile of its peer group |
| Cash / assets | 17.6% | around the 58th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Twin Oaks Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within West Virginia — the comparison set a peer ratio is measured against.
- Huntington West VA Firemens Credit Union
Huntington, WV
$6.0M · 651 members
- Ohio County Public Schools Credit Union
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- Appalachian Power Employees Credit Union
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- C C M H Credit Union
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- Berkeley County Public Schools Credit Union
Martinsburg, WV
$8.1M · 1,043 members
- Charleston Postal Credit Union
CHARLESTON, WV
$5.1M · 664 members
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