TWIN OAKS
Charter #22681 | WV
<100M
(2596 CUs)
Micro
($0-$500M)
63 <100M in 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
|
32nd in tier |
| 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
|
Bottom 23.0% in tier |
| 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
|
37th in tier |
| 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
|
Bottom 24.2% in tier |
| 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
|
26th in tier |
| 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
|
Top 19.5% in tier |
| Delinquency Rate |
0.1%
-1.8% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 18.9% in tier |
| 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
|
26th in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
49
Net Interest Margin (NIM)
profitability
Value:
6.77%
Peer Avg: 3.93%
#49 of 2596
Top 1.8% in <100M tier
64
Loan-to-Share Ratio
balance_sheet
Value:
104.65%
Peer Avg: 61.23%
#64 of 2596
Top 2.4% in <100M tier
492
Total Delinquency Rate (60+ days)
risk
Value:
0.08%
Peer Avg: 1.51%
#492 of 2596
Top 18.9% in <100M tier
Top Weaknesses (9 metrics)
2372
Deposit Growth Rate
growth
Value:
-8.93%
Peer Avg: 16.80%
#2372 of 2596
Bottom 8.7% in <100M tier
2365
Asset Growth Rate
growth
Value:
-7.26%
Peer Avg: 1.82%
#2365 of 2596
Bottom 8.9% in <100M tier
2331
Member Growth Rate
growth
Value:
-6.94%
Peer Avg: 14.92%
#2331 of 2596
Bottom 10.2% in <100M tier
2287
Share Certificate Concentration (%)
balance_sheet
Value:
34.67%
Peer Avg: 15.37%
#2287 of 2596
Bottom 11.9% in <100M tier
2129
Loan Growth Rate
growth
Value:
-11.22%
Peer Avg: 59.01%
#2129 of 2596
Bottom 18.0% in <100M tier
2091
Efficiency Ratio
profitability
Value:
92.45%
Peer Avg: 81.39%
#2091 of 2596
Bottom 19.5% in <100M tier
2009
AMR Growth Rate
growth
Value:
-3.41%
Peer Avg: 4.67%
#2009 of 2596
Bottom 22.7% in <100M tier
1998
Total Assets
balance_sheet
Value:
$6.05M
Peer Avg: $29.86M
#1998 of 2596
Bottom 23.1% in <100M tier
1968
Total Deposits
balance_sheet
Value:
$5.26M
Peer Avg: $25.45M
#1968 of 2596
Bottom 24.2% in <100M tier