TWIN OAKS
Charter #22681 · Apple Grove, WV · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 6.75% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.28% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 28th — a 48-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TWIN OAKS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.61M | 76th pct | 28th pct |
| Members | 1,280 | 90th pct | 56th pct |
| Net worth ratio | 12.36% | 24th pct | 33th pct |
| Return on average assets | 0.48% | 53th pct | 39th pct |
| Net interest margin | 6.75% | 96th pct | 98th pct |
| Cost of funds | 1.84% | 86th pct | 72th pct |
| Loan-to-share | 93.37% | 90th pct | 92th pct |
| Delinquency 60+ days | 0.49% | 41th pct | 34th pct |
| Net charge-off ratio | -0.28% | 9th pct | 3th pct |
| Loan growth YoY | -1.68% | 67th pct | 26th pct |
| Share growth YoY | 10.19% | 94th pct | 89th pct |
| Efficiency ratio | 80.70% | 41th pct | 49th pct |
structural peer set hash: 41da6442079569028b0ad0ce5aa36df2… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.