BlastPoint's Credit Union Scorecard
TWIN OAKS
Charter #22681 · WV
TWIN OAKS has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.84% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Efficiency ratio 11.06% above tier (higher cost structure)
- - Member decline: -6.9% YoY
- - Deposit Growth Rate: Bottom 8.7% in tier
- - Asset Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,154
-6.9% YoY0% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$6.1M
-7.3% YoY-2.0% QoQ
|
$-23.8M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$5.5M
-11.2% YoY-2.5% QoQ
|
$-10.3M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
37% |
| Deposits |
$5.3M
-8.9% YoY-2.4% QoQ
|
$-20.2M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
24% |
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| ROA |
0.2%
+3.5% YoY-41.6% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
6.8%
+15.4% YoY+1.6% QoQ
|
+2.8% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 1.9% in tier |
| Efficiency Ratio |
92.5%
-1.3% YoY+1.3% QoQ
|
+11.1% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.1%
-1.8% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
19% |
| Loan To Share |
104.6%
-2.5% YoY-0.1% QoQ
|
+43.4% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
Top 2.6% in tier |
| AMR |
$9,326
-3.4% YoY-2.5% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration |
34.7%
-13.0% YoY-1.3% QoQ
|
+10.3% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)