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
- PO Box 70
- Branches
- 2
- Members
- 1,264
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,264 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | TWIN OAKS |
|---|---|
| Total Assets | $6.1M |
| Members | 1,264 |
| Loans Outstanding | $5.4M |
| Shares & Deposits | $5.3M |
| Net Worth | $809K |
| Net Worth Ratio | 13.35% |
| Loan-to-Share Ratio | 102.7% |
| Delinquency Rate | 0.79% |
| Net Income | +$45,186 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View West Virginia RankingsFrequently Asked Questions
Yes. TWIN OAKS is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, TWIN OAKS has 1,264 members and a potential membership field of 15,000 people.
TWIN OAKS's net worth ratio is 13.35% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.3%, TWIN OAKS meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or TWIN OAKS. All financial data is for informational purposes only.