Sep, 30, 2025 — TWIN OAKS FEDERAL CREDIT UNION is a federal credit union headquartered in APPLE GROVE, WV with 2 branch locations and about $6.05 million in total assets. Opened 49 years ago in 1977, TWIN OAKS FEDERAL CREDIT UNION has about 1,154 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | TWIN OAKS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 27405 Huntington Rd APPLE GROVE, WV 25502 |
| Phone: | (304) 576-4056 |
| Fax: | (304) 576-2447 |
| Website: | https://www.twinoaksfcu.com |
| Branches: | 2 branch locations |
| Members: | 1,154 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 22681 |
|---|---|
| Membership Type: | Multiple common bond - Primarily petroleum refining |
| Corporate Credit Union: | No |
| Year Opened: | 1977 |
| Last Audited: | Jan 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $6,054,424 |
| CEO/Manager: | Shelbie Vance |
| Chairperson: | Brian S Kelly |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 491,977 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 684,278 |
| Other Loans | 4,819,033 |
| TOTAL LOANS | 5,503,311 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -23,858 |
| Land And Building | 0 |
| Other Fixed Assets | 29,547 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 53,447 |
| All Other Assets | 0 |
| TOTAL ASSETS | 6,054,424 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 20,034 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 0 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 3,086,420 |
| All Other Shares & Deposits | 2,172,491 |
| TOTAL SHARES & DEPOSITS | 5,258,911 |
| TOTAL LIABILITIES | 5,278,945 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 775,479 |
| TOTAL EQUITY | 775,479 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 6,054,424 |
| INCOME & EXPENSE | |
| Loan Income | 394,780 |
| Investment Income | 7,100 |
| Other Income | 23,825 |
| Total Employee Compensation & Benefits | 178,234 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 132,031 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 14,077 |
| Cost of Funds | 91,275 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 11,260 |
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