TWIN OAKS Credit Union Profile

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TWIN OAKS

Charter #22681 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (304) 576-4056

Fax: (304) 576-2447

Founding Date: N/A

Website: http://www.twinoaksfcu.com

Personnel & Operations

President: Kelly, Brian

Manager: Vance, Shelbie

FT Employees: 5

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 41

Branches: 2

Hours: 8am-4pm Monday thru Thursday 8am-12pm Frid

Credit Union Profile Summary

TWIN OAKS is a FCU Credit Union. With a total of 1,154 members [1], this institution manages approximately $6,178,047 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.58% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -10.59% [1].

Financial Snapshot

Total Assets [1]
$6,178,047

Total economic resources.

Total Loans [1]
$5,643,428

Total value of outstanding loans.

Total Deposits [1]
$5,389,378

Total funds deposited by members.

Members [1]
1,154

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.58%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.42%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
104.71%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -8.04%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -10.59%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -7.83%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

27405 Huntington Rd

Apple Grove, WV, 25502
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by TWIN OAKS (Charter #22681).

Main Office

Apple Grove Office Main Office

Type: Corporate Office

27405 Huntington Rd

Apple Grove, WV 25502

Phone: (304) 576-4056

Services: Member Services

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Additional Branches

Point Pleasant

Point Pleasant Office

Type: Branch Office

2411 Jackson Ave

Point Pleasant, WV 25550

Phone: (304) 675-5510

Services: Member Services

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