BlastPoint's Credit Union Scorecard
TWIN OAKS
Charter #22681 · WV
TWIN OAKS has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 3.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.84% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,264
+2.0% YoY+9.5% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$6.1M
-1.7% YoY+0.2% QoQ
|
$-24.1M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$5.4M
-10.6% YoY-1.9% QoQ
|
$-10.4M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$5.3M
-1.7% YoY-0.1% QoQ
|
$-20.4M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
0.7%
+54.3% YoY+203.8% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
7.2%
+16.0% YoY+5.8% QoQ
|
+3.2% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 1.1% in tier |
| Efficiency Ratio |
87.4%
-3.8% YoY-5.5% QoQ
|
+4.8% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.8%
+640.5% YoY+936.2% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
102.7%
-9.1% YoY-1.8% QoQ
|
+42.1% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
Top 3.5% in tier |
| AMR |
$8,429
-8.3% YoY-9.6% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration |
35.8%
-12.1% YoY+3.2% QoQ
|
+11.3% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 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)