Side-by-side · Q2 2026 data
Bank of Stockton 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 | Bank of Stockton | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 92 |
| Capital cushion | 100 | 100 |
| Loan quality | 97 (stronger) | 80 |
| Earnings | 100 (stronger) | 91 |
| Funding & liquidity | 64 | 93 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 100th | 98th |
| Total assets | $5.0B | $1.7B |
| Deposits / shares | $3.8B | $1.4B |
| Capital ratio | 19.95% (stronger) | 15.48% |
| Problem loans | 0.08% (stronger) | 0.60% |
| Net charge-offs | 0.05% (stronger) | 0.33% |
| Return on assets | 6.08% (stronger) | 1.78% |
| Loans ÷ deposits | 63.2% | 60.3% (stronger) |
| Uninsured deposits | 45.2% | 20.7% (stronger) |
| Offices | 21 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.2% | — |
Bank of Stockton has the higher TellerScore (94 vs 92). On the 7 directional measures above (where higher or lower is clearly better), Bank of Stockton leads on 5 and Operating Engineers Local Union #3 Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.