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TWIN OAKS

Apple Grove, WV · Federal Credit Union · Chartered in WV

LICUWell Capitalized

Who can join

Occupational / employer group

Charter #22681Est. 1977RSSD: 520487

Members

1,280

Net Worth Ratio

12.36%

min. 7% = Well Capitalized

Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.

At a Glance

Total Assets

$6.6M

Peer Group 2

Members

1,280

as of latest quarter

Net Worth Ratio

12.36%

Well Capitalized

Institution Profile

NCUA

Address

Po Box 70, Apple Grove, WV 25502

Chartered

1977

Branch Locations

2 locations

Membership Eligibility

Occupational / employer group

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

Total Assets

$6.6M

Total Shares

$5.8M

Total Loans

$5.4M

Net Income

$8K

Net Worth Ratio

12.36%

≥7% = Well Capitalized

Members

1,280

Return on Assets

0.12%

annualized · >0.5% healthy

Delinquency Rate (60d+)

0.49%

$26K

Loan-to-share ratio: 93.4%· healthy range 60–80%

Branch Locations

NCUA

Apple Grove Office

27405 Huntington Rd, Apple Grove, WV, 25502

8am-4pm Monday thru Thursday 8am-12pm Friday Closed Saturday

Main

Point Pleasant Office

2411 Jackson Ave, Point Pleasant, WV, 25550

8:30am - 4:30pm Monday thru Thursday 8:30am - 12:30pm Friday Closed Saturday

Mortgage Lending (HMDA)

CFPB HMDA

No HMDA mortgage lending data on record for this credit union.

Consumer Complaints

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.