Side-by-side · Q2 2026 data
Bay Federal Credit Union 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 | Bay Federal Credit Union | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 92 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 90 (stronger) | 80 |
| Earnings | 55 | 91 (stronger) |
| Funding & liquidity | 90 | 93 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 62nd | 98th |
| Total assets | $1.9B | $1.7B |
| Deposits / shares | $1.7B | $1.4B |
| Capital ratio | 9.85% | 15.48% (stronger) |
| Problem loans | 0.31% (stronger) | 0.60% |
| Net charge-offs | 0.40% | 0.33% (stronger) |
| Return on assets | 0.86% | 1.78% (stronger) |
| Loans ÷ deposits | 70.5% | 60.3% (stronger) |
| Uninsured deposits | 8.2% (stronger) | 20.7% |
| Offices | 6 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Operating Engineers Local Union #3 Federal Credit Union has the higher TellerScore (92 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Bay Federal Credit Union leads on 2 and Operating Engineers Local Union #3 Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.