Side-by-side · Q2 2026 data
BMW Bank of North America 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 | BMW Bank of North America | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 87 | 92 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 97 (stronger) | 80 |
| Earnings | 100 (stronger) | 91 |
| Funding & liquidity | 53 | 93 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 98th | 98th |
| Total assets | $13.8B | $1.7B |
| Deposits / shares | $9.5B | $1.4B |
| Capital ratio | 13.24% | 15.48% (stronger) |
| Problem loans | 0.09% (stronger) | 0.60% |
| Net charge-offs | 0.20% (stronger) | 0.33% |
| Return on assets | 2.29% (stronger) | 1.78% |
| Loans ÷ deposits | 106.9% | 60.3% (stronger) |
| Uninsured deposits | 3.4% (stronger) | 20.7% |
| Offices | 1 | 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 87). On the 7 directional measures above (where higher or lower is clearly better), BMW Bank of North America leads on 4 and Operating Engineers Local Union #3 Federal Credit Union on 3. 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.