Twin Oaks
Apple Grove, WV · Charter 22681 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$6.6MAssets
$5.7MLoans
$5.8MShares
$821KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 99% of credit unions under $1B in assets (rank 19 of 1683).
- Widest gap: return on assets trails 76% of credit unions under $1B in assets (rank 1285 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.33%
Rank 1,285 of 1,683
Net Interest Margin
6.58%
Rank 19 of 1,683
Efficiency Ratio
80.75%
Rank 966 of 1,682
Equity / Assets
12.39%
Rank 935 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.33% | 0.35% | 0.74% | 1.18% | Beats 24% | 1,285 / 1,683 | |
| Return on Equity | 2.68% | 2.67% | 5.89% | 8.74% | Beats 25% | 1,259 / 1,681 | |
| Net Interest Margin | 6.58% | 3.31% | 3.82% | 4.32% | Beats 99% | 19 / 1,683 | |
| Efficiency Ratio | 80.75% | 68.91% | 78.20% | 86.93% | Beats 43% | 966 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.26% | 0.65% | 1.29% | Beats 53% | 794 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.39% | 10.44% | 12.89% | 16.53% | Beats 44% | 935 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.39% | 10.44% | 12.89% | 16.53% | Beats 44% | 935 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 97.76% | 52.61% | 69.38% | 83.50% | 95th pctl | 80 / 1,683 | |
| Loans / Assets | 85.65% | 44.71% | 59.18% | 70.72% | 98th pctl | 34 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |