Side-by-side · Q2 2026 data
The Ohio Valley Bank Company 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 | The Ohio Valley Bank Company | Twin Oaks Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 68 (stronger) |
| Capital cushion | 47 | 74 (stronger) |
| Loan quality | 52 | 80 (stronger) |
| Earnings | 55 (stronger) | 34 |
| Funding & liquidity | 50 | 62 (stronger) |
| Problem-loan coverage | 80 | 92 (stronger) |
| Peer percentile | 12th | 36th |
| Total assets | $1.6B | $6.6M |
| Deposits / shares | $1.4B | $5.8M |
| Capital ratio | 9.73% | 12.39% (stronger) |
| Problem loans | 1.45% | 0.60% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.48% |
| Return on assets | 0.89% (stronger) | 0.34% |
| Loans ÷ deposits | 86.2% (stronger) | 97.8% |
| Uninsured deposits | 36.6% | 0.0% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | — |
Twin Oaks Federal Credit Union has the higher TellerScore (68 vs 54). On the 7 directional measures above (where higher or lower is clearly better), The Ohio Valley Bank Company leads on 3 and Twin Oaks Federal Credit Union on 4. 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.
Where both have branches
- Point Pleasant, WV