Side-by-side · Q2 2026 data
Beneficial State 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 | Beneficial State Bank | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 43 | 92 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 16 | 80 (stronger) |
| Earnings | 26 | 91 (stronger) |
| Funding & liquidity | 56 | 93 (stronger) |
| Problem-loan coverage | 64 | 96 (stronger) |
| Peer percentile | 3rd | 98th |
| Total assets | $2.0B | $1.7B |
| Deposits / shares | $1.7B | $1.4B |
| Capital ratio | 11.22% | 15.48% (stronger) |
| Problem loans | 2.53% | 0.60% (stronger) |
| Net charge-offs | 0.75% | 0.33% (stronger) |
| Return on assets | 0.14% | 1.78% (stronger) |
| Loans ÷ deposits | 89.3% | 60.3% (stronger) |
| Uninsured deposits | 28.6% | 20.7% (stronger) |
| Offices | 7 | 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 43). On the 7 directional measures above (where higher or lower is clearly better), Beneficial State Bank leads on 0 and Operating Engineers Local Union #3 Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.