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Letter portraitLegal landscapeQuarterYTD

Operating Engineers Local Union #3

Livermore, CA · Charter 24235

NCUA · 27 branches

Q2 2026

$1.7BAssets
$860.2MLoans
$1.4BShares
$261.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.78%, up 102 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.60% of loans (-11 bps YoY).
  • Capital: net worth / assets of 15.48%, up 41 bps from a year ago.
  • Funding: loans stand at 60.26% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.78%+102 bps YoY

Net Interest Margin (YTD, annualized)

3.44%+34 bps YoY

Efficiency Ratio (YTD, annualized)

60.47%-1,377 bps YoY

Net Worth / Assets

15.48%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.94%0.94%1.18%1.78%+102 bps
Return on Equity5.01%6.28%6.32%7.73%11.48%+647 bps
Net Interest Margin3.10%3.09%3.09%3.46%3.44%+34 bps
Efficiency Ratio74.24%72.16%69.72%68.80%60.47%-1,377 bps
Growth
Asset Growth (YoY)7.44%8.54%9.67%7.09%7.24%-21 bps
Loan Growth (YoY)-2.82%-1.58%0.23%0.83%2.83%+564 bps
Share Growth (YoY)6.37%7.76%8.04%6.04%6.04%-33 bps
Asset Quality
Delinquent Loans / Loans0.70%0.59%0.59%0.45%0.60%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.07%14.96%14.84%15.26%15.48%+41 bps
Net Worth / Assets15.07%14.96%14.84%15.26%15.48%+41 bps
Liquidity & Funding
Loans / Shares62.15%60.74%59.69%60.50%60.26%-188 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps