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Overview / Commentary
27405 Huntington Rd Rt. 2
Apple Grove, WV 25502

Twin Oaks Federal Credit Union is headquartered in Apple Grove and is the 66th largest credit union in the state of West Virginia. It is also the 4,650th largest credit union in the nation. It was established in 1977 and as of September of 2017, it had grown to 5 employees and 1,193 members at 2 locations. Twin Oaks Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Must live, work, worship, conduct business or attend schools in Mason County.
See current membership details

Reviews (1)

Twin Oaks Federal Credit Union - Point Pleasant Branch

My husband and I needed needed a loan to buy a cargo van, and we felt that we would get a better rate at the credit union than at a bank. The ladies at Twin Oaks are always super friendly, and we never have to wait more than a few minutes to speak to someone. The loan application was simple, and the employee was able to approve our loan very quickly. We were going to drive about three hours to look at a van, but we weren't positive that we would buy it. The credit union went ahead and gave us a check and assured us that we could cancel out the loan if we decided not to purchase the van. This way we didn't have to make two trips. We were very happy with the service and would certainly go to Twin Oaks Federal Credit Union if we need another loan in the future.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Twin Oaks Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #22681
Year Chartered1977
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD7.89%
Annual Interest Income$249.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$5.8MM$5.5MM
LoansQ3 2017vs Q3 2016$5.4MM$4.9MM
DepositsQ3 2017vs Q3 2016$5.3MM$5.0MM
Equity CapitalQ3 2017vs Q3 2016$490.00K$460.00K
Loan Loss AllowanceQ3 2017vs Q3 2016$24.00K$36.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$20.00K$9.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0

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Twin Oaks Federal Credit Union Locations
Branch Office2411 Jackson AvePoint Pleasant, WV 25550
Main Office27405 Huntington RdApple Grove, WV 25502