Side-by-side · Q2 2026 data
City of Clarksburg Federal Credit Union vs Twin Oaks Federal Credit Union
Credit union
City of Clarksburg Federal Credit Union
Clarksburg, 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 | City of Clarksburg Federal Credit Union | Twin Oaks Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 68 |
| Capital cushion | 92 (stronger) | 74 |
| Loan quality | 99 (stronger) | 80 |
| Earnings | 27 | 34 (stronger) |
| Funding & liquidity | 100 (stronger) | 62 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 72nd | 36th |
| Total assets | $8.2M | $6.6M |
| Deposits / shares | $7.0M | $5.8M |
| Capital ratio | 14.22% (stronger) | 12.39% |
| Problem loans | 0.02% (stronger) | 0.60% |
| Net charge-offs | -0.81% (stronger) | 0.48% |
| Return on assets | 0.19% | 0.34% (stronger) |
| Loans ÷ deposits | 29.3% (stronger) | 97.8% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
City of Clarksburg Federal Credit Union has the higher TellerScore (83 vs 68). On the 6 directional measures above (where higher or lower is clearly better), City of Clarksburg Federal Credit Union leads on 5 and Twin Oaks Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.