Operating Engineers Local Union #3 Federal Credit Union
Total assets
$1.65B
▲ +7.1% YoY
Shares & deposits
$1.40B
▲ +6.0% YoY
Loans
$848.5M
▲ +0.8% YoY
Members
121,682
▲ +5.7% YoY
ROA (annualized)
1.18%
peers 0.71%
ROE (annualized)
7.73%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +5.1% | +2.0 pts |
| Share growth (YoY) | +6.0% | +4.9% | +1.2 pts |
| Loan growth (YoY) | +0.8% | +5.4% | -4.6 pts |
| ROA | 1.18% | 0.71% | +0.5 pts |
| ROE | 7.7% | 6.3% | +1.5 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
Profile
- Established
- 1963
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P O Box 5073, Livermore, CA, 94551
- NCUA charter #
- 24235
- RSSD ID
- 63993
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.65B | $1.40B | $848.5M | $251.9M | $4.9M | 1.18% | 3.46% | 0.45% | 121,682 |
| Q4 2025 | $1.66B | $1.42B | $845.1M | $247.1M | $15.6M | 0.94% | 3.09% | 0.59% | 121,254 |
| Q3 2025 | $1.62B | $1.38B | $840.3M | $242.9M | $11.4M | 0.94% | 3.09% | 0.59% | 119,249 |
| Q2 2025 | $1.58B | $1.35B | $836.6M | $237.4M | $5.9M | 0.75% | 3.10% | 0.70% | 116,798 |
| Q1 2025 | $1.54B | $1.32B | $841.6M | $234.1M | $2.1M | 0.55% | 3.12% | 0.46% | 115,121 |
| Q4 2024 | $1.52B | $1.31B | $843.2M | $232.0M | $11.6M | 0.76% | 3.08% | 0.68% | 112,885 |
| Q3 2024 | $1.50B | $1.28B | $853.8M | $228.4M | $8.0M | 0.72% | 3.10% | 0.70% | 110,959 |
| Q2 2024 | $1.47B | $1.27B | $860.8M | $224.6M | $4.2M | 0.57% | 3.12% | 0.80% | 109,318 |
Loan mix (Q1 2026): real estate $410.0M · commercial $35.5M · consumer $371.7M · securities $688.7M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.71% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 6.3% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.32% | 59th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 73.0% | 35th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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