Twin Oaks Federal Credit Union

Twin Oaks Federal Credit Union


Overview / Commentary
304-576-4056
27405 Huntington Rd Rt. 2
Apple Grove, WV 25502

Twin Oaks Federal Credit Union is headquartered in Apple Grove and is the 62nd largest credit union in the state of West Virginia. It is also the 3,872nd largest credit union in the nation. It was established in 1977 and as of March of 2025, it had grown to 5 employees and 1,150 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

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Health
C+
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

Overall
NCUA #22681
Year Chartered1977
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD4.93%
Annual Interest Income$134K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$6.2MM$6.8MM
LoansQ1 2025vs Q1 2024$5.7MM$6.1MM
DepositsQ1 2025vs Q1 2024$5.4MM$6.1MM
Equity CapitalQ1 2025vs Q1 2024$774K$742K
Loan Loss AllowanceQ1 2025vs Q1 2024$29K$31K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$5K$29K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


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

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