Twin Oaks

Apple Grove, WV · 1 · Charter #22681 · www.twinoaksfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$6.1M
30th percentile
Members
1,264
45th percentile
Total loans
$5.4M
46th percentile
Total shares
$4.9M
30th percentile

Profitability

Return on assets
0.72%
46th percentile
Net interest margin
7.16%
98th percentile
Efficiency ratio
73.11%
37th percentile
Non-interest income ratio
6.46%
39th percentile

Capital & Risk

Net worth ratio
13.35%
39th percentile
Delinquency rate
0.79%
48th percentile
Net charge-off rate
0.48%
34th percentile
Loan-to-share
110.04%
96th percentile

Growth

Member growth YoY
2.02%
83th percentile
Asset growth YoY
-1.69%
31th percentile
Loan growth YoY
-10.64%
22th percentile
Share growth YoY
-8.20%
12th percentile

Operations

Members / branch
632
29th percentile
Assets / member
$4,798
15th percentile
Field of membership penetration
8.43%
22th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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