Side-by-side · Q2 2026 data
Appalachian Power Employees Federal Credit Union vs Twin Oaks Federal Credit Union
Credit union
Appalachian Power Employees Federal Credit Union
Huntington, West Virginia · Under $100 million in assets
Credit union
Twin Oaks Federal Credit Union
Apple Grove, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Appalachian Power Employees Federal Credit Union | Twin Oaks Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 68 (stronger) |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 34 | 80 (stronger) |
| Earnings | 27 | 34 (stronger) |
| Funding & liquidity | 77 (stronger) | 62 |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 28th | 36th |
| Total assets | $5.6M | $6.6M |
| Deposits / shares | $4.2M | $5.8M |
| Capital ratio | 24.33% (stronger) | 12.39% |
| Problem loans | 1.99% | 0.60% (stronger) |
| Net charge-offs | 0.74% | 0.48% (stronger) |
| Return on assets | 0.19% | 0.34% (stronger) |
| Loans ÷ deposits | 82.8% (stronger) | 97.8% |
| Uninsured deposits | 0.9% | 0.0% (stronger) |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Twin Oaks Federal Credit Union has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Appalachian Power Employees Federal Credit Union leads on 2 and Twin Oaks Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.