Twin Oaks
Twin Oaks is a credit union based in Apple Grove, West Virginia, established in 1977, with $7 million in total assets serving 1,280 members. By Trust Grade it ranks 38th of 73 credit unions we track in West Virginia. Its net worth ratio of 12.4% trails most similarly sized credit unions (36th percentile), versus a West Virginia median of 13.5%. It was profitable over the most recent period, with a 0.47% return on assets. No consumer complaints against Twin Oaks appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Twin Oaks compares to West Virginia peers
How we graded Twin Oaks
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.4% capital ratio)
- Profitable (ROA 0.47%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Twin Oaks over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Twin Oaks insured?
Yes. Twin Oaks is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Twin Oaks: frequently asked questions
Is Twin Oaks a good credit union?
Twin Oaks earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (12.4% capital ratio); Profitable (ROA 0.47%).
Is Twin Oaks NCUA-insured?
Yes. Twin Oaks is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Twin Oaks?
Twin Oaks holds $7 million in total assets, ranking 38th of 73 credit unions we track in West Virginia. It serves 1,280 members.
Does Twin Oaks have CFPB complaints?
No CFPB complaints against Twin Oaks appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
