Side-by-side · Q2 2026 data
C C M H Federal Credit Union vs Twin Oaks Federal Credit Union
Credit union
C C M H Federal Credit Union
Parkersburg, 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 | C C M H Federal Credit Union | Twin Oaks Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 68 |
| Capital cushion | 63 | 74 (stronger) |
| Loan quality | 98 (stronger) | 80 |
| Earnings | 12 | 34 (stronger) |
| Funding & liquidity | 81 (stronger) | 62 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 36th | 36th |
| Total assets | $5.5M | $6.6M |
| Deposits / shares | $4.8M | $5.8M |
| Capital ratio | 11.34% | 12.39% (stronger) |
| Problem loans | 0.07% (stronger) | 0.60% |
| Net charge-offs | 0.00% (stronger) | 0.48% |
| Return on assets | -0.19% | 0.34% (stronger) |
| Loans ÷ deposits | 78.9% (stronger) | 97.8% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 5 directional measures above (where higher or lower is clearly better), C C M H Federal Credit Union leads on 3 and Twin Oaks Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.