TWIN OAKS
Federal • Apple Grove, West Virginia • Est. 1977
Quick Facts
- Charter Number
- #22681
- Type
- Federal
- Established
- 1977
- Headquarters
- Apple Grove, West Virginia 25502
- Address
- 27405 Huntington Rd
- Branches
- 2
- Members
- 1,280
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
1,280 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | TWIN OAKS |
|---|---|
| Total Assets | $6.6M |
| Members | 1,280 |
| Loans Outstanding | $5.4M |
| Shares & Deposits | $5.8M |
| Net Worth | $817K |
| Net Worth Ratio | 12.36% |
| Loan-to-Share Ratio | 93.4% |
| Delinquency Rate | 0.49% |
| Net Income | +$7,683 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations
Apple Grove Office
Main Office27405 Huntington Rd
Apple Grove, WV 25502
Point Pleasant Office
2411 Jackson Ave
Point Pleasant, WV 25550
Who Can Join TWIN OAKS?
Membership Type: Community
Membership eligibility for TWIN OAKS may vary. Contact the credit union directly to confirm qualification requirements.
Contact TWIN OAKS directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in West Virginia
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View West Virginia RankingsFrequently Asked Questions
TWIN OAKS is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, TWIN OAKS has 1,280 members and a potential membership field of 15,000 people.
TWIN OAKS's reported net worth ratio is 12.36% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
TWIN OAKS operates 2 branch locations. The main office is located at 27405 Huntington Rd, Apple Grove, WV 25502.
TWIN OAKS was established in 1977. It is a federal credit union chartered under charter number 22681. The institution has been serving members for 49 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or TWIN OAKS. All financial data is for informational purposes only.