Side-by-side · Q2 2026 data
Twin Oaks Federal Credit Union vs Charleston Postal Federal Credit Union
Credit union
Twin Oaks Federal Credit Union
Apple Grove, West Virginia · Under $100 million in assets
Credit union
Charleston Postal Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Twin Oaks Federal Credit Union | Charleston Postal Federal Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 58 |
| Capital cushion | 74 (stronger) | 34 |
| Loan quality | 80 | 91 (stronger) |
| Earnings | 34 (stronger) | 0 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 36th | 19th |
| Total assets | $6.6M | $4.9M |
| Deposits / shares | $5.8M | $4.5M |
| Capital ratio | 12.39% (stronger) | 8.38% |
| Problem loans | 0.60% | 0.27% (stronger) |
| Net charge-offs | 0.48% (stronger) | 3.93% |
| Return on assets | 0.34% (stronger) | -1.13% |
| Loans ÷ deposits | 97.8% | 56.5% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Twin Oaks Federal Credit Union has the higher TellerScore (68 vs 58). On the 6 directional measures above (where higher or lower is clearly better), Twin Oaks Federal Credit Union leads on 4 and Charleston Postal Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.