Side-by-side · Q2 2026 data
Twin Oaks Federal Credit Union vs First Priority Federal Credit Union
Credit union
Twin Oaks Federal Credit Union
Apple Grove, West Virginia · Under $100 million in assets
Credit union
First Priority Federal Credit Union
Huntington, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Twin Oaks Federal Credit Union | First Priority Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 82 (stronger) |
| Capital cushion | 74 | 75 (stronger) |
| Loan quality | 80 (stronger) | 62 |
| Earnings | 34 | 99 (stronger) |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 36th | 70th |
| Total assets | $6.6M | $74.8M |
| Deposits / shares | $5.8M | $65.3M |
| Capital ratio | 12.39% | 12.49% (stronger) |
| Problem loans | 0.60% (stronger) | 1.14% |
| Net charge-offs | 0.48% | 0.09% (stronger) |
| Return on assets | 0.34% | 1.97% (stronger) |
| Loans ÷ deposits | 97.8% | 43.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 10.7% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Priority Federal Credit Union has the higher TellerScore (82 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Twin Oaks Federal Credit Union leads on 2 and First Priority Federal Credit Union on 5. 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.