Side-by-side · Q2 2026 data
Liberty Bank vs Twin Oaks Federal Credit Union
Credit union
Twin Oaks Federal Credit Union
Apple Grove, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Liberty Bank | Twin Oaks Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 74 | 80 (stronger) |
| Earnings | 47 (stronger) | 34 |
| Funding & liquidity | 97 (stronger) | 62 |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 70th | 36th |
| Total assets | $55.7M | $6.6M |
| Deposits / shares | $46.2M | $5.8M |
| Capital ratio | 17.96% (stronger) | 12.39% |
| Problem loans | 0.77% | 0.60% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.48% |
| Return on assets | 0.69% (stronger) | 0.34% |
| Loans ÷ deposits | 59.5% (stronger) | 97.8% |
| Uninsured deposits | 17.5% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty Bank has the higher TellerScore (82 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank leads on 5 and Twin Oaks Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.