BlastPoint's Credit Union Scorecard
TWIN OAKS
Charter #22681 · WV
TWIN OAKS has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Net Interest Margin 2.47% above tier average
- + Strong member growth: 11.3% YoY
- + Member Growth Rate: Top 3.0% in tier
- + Net Charge-Off Rate: Top 5.1% in tier
- + Loan-to-Share Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 7.2% in tier
- - AMR Growth Rate: Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,280
+11.3% YoY+1.3% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
36% |
| Assets |
$6.6M
+6.8% YoY+9.0% QoQ
|
$-23.6M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$5.4M
-5.9% YoY+0.2% QoQ
|
$-9.9M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$5.8M
+7.1% YoY+10.3% QoQ
|
$-20.0M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
25% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
-24.8% YoY-37.7% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
43% |
| NIM |
6.5%
-2.3% YoY-9.6% QoQ
|
+2.5% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 2.3% in tier |
| Efficiency Ratio |
80.7%
-8.2% YoY-7.7% QoQ
|
-9.9% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
0.5%
+484.8% YoY-38.1% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
43% |
| Loan To Share |
93.4%
-12.1% YoY-9.1% QoQ
|
+34.9% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
Top 6.0% in tier |
| AMR |
$8,754
-9.8% YoY+3.9% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration |
40.7%
+16.1% YoY+13.7% QoQ
|
+16.4% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 7.7% | 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)