Operating Engineers Local Union #3
Livermore, CA · Charter 24235 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 27 branches
Q2 2026
$1.7BAssets
$860.2MLoans
$1.4BShares
$261.6MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 97% of credit unions $1B-$10B in assets (rank 14 of 435).
- Widest gap: net interest margin trails 46% of credit unions $1B-$10B in assets (rank 201 of 435).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.78%
Rank 14 of 435
Net Interest Margin
3.44%
Rank 201 of 435
Efficiency Ratio
60.47%
Rank 62 of 435
Equity / Assets
15.48%
Rank 30 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.78% | 0.55% | 0.81% | 1.14% | Beats 97% | 14 / 435 | |
| Return on Equity | 11.48% | 5.12% | 7.41% | 9.70% | Beats 87% | 56 / 435 | |
| Net Interest Margin | 3.44% | 3.01% | 3.39% | 3.75% | Beats 54% | 201 / 435 | |
| Efficiency Ratio | 60.47% | 65.25% | 71.39% | 77.86% | Beats 86% | 62 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.45% | 0.69% | 1.05% | Beats 60% | 173 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.48% | 9.81% | 10.84% | 12.63% | Beats 93% | 30 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.48% | 9.81% | 10.84% | 12.63% | Beats 93% | 30 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 60.26% | 78.33% | 88.38% | 95.61% | 8th pctl | 402 / 435 | |
| Loans / Assets | 50.92% | 67.69% | 74.58% | 80.80% | 7th pctl | 405 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |