CU Explorer
Credit unions · West Virginia · Q2 2026

Twin OAKS FCU

Credit union in Apple Grove, WV · NCUA charter #22681 · Federal charter

Legal name: Twin OAKS

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$6.6M
Total loans & leases$5.7M
Total shares & deposits$5.8M
Members1,282
Net worth$821K
Net worth / assets12.39%
Loans / assets85.64%
Return on assets (annualized)0.34%
Loan growth (YoY)0.56%
Member growth (YoY)11.09%
Delinquency, all loans (60+ days)0.60%
CharterFederal charter
Asset band< $50M
NCUA peer group$2M–$10M
Sponsor typeManufacturing

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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