Side-by-side · Q2 2026 data
Ally Bank vs Operating Engineers Local Union #3 Federal Credit Union
Credit union
Operating Engineers Local Union #3 Federal Credit Union
Livermore, California · $1 billion – $10 billion
Metric by metric
| Measure | Ally Bank | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 92 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 72 | 80 (stronger) |
| Earnings | 68 | 91 (stronger) |
| Funding & liquidity | 71 | 93 (stronger) |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 81st | 98th |
| Total assets | $188.2B | $1.7B |
| Deposits / shares | $156.6B | $1.4B |
| Capital ratio | 9.60% | 15.48% (stronger) |
| Problem loans | 0.85% | 0.60% (stronger) |
| Net charge-offs | 1.15% | 0.33% (stronger) |
| Return on assets | 1.20% | 1.78% (stronger) |
| Loans ÷ deposits | 89.6% | 60.3% (stronger) |
| Uninsured deposits | 10.4% (stronger) | 20.7% |
| Offices | 0 | 24 |
| CFPB complaints (3 yrs) | 15,225 | — |
| Complaints per $1B deposits | 97.2 | — |
| Mortgage denial rate (HMDA) | — | — |
Operating Engineers Local Union #3 Federal Credit Union has the higher TellerScore (92 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Ally Bank leads on 1 and Operating Engineers Local Union #3 Federal Credit Union on 6. 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.