Side-by-side · Q2 2026 data
Finance Factors, Ltd. 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 | Finance Factors, Ltd. | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 92 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 26 | 80 (stronger) |
| Earnings | 45 | 91 (stronger) |
| Funding & liquidity | 74 | 93 (stronger) |
| Problem-loan coverage | 78 | 96 (stronger) |
| Peer percentile | 11th | 98th |
| Total assets | $683.7M | $1.7B |
| Deposits / shares | $519.3M | $1.4B |
| Capital ratio | 12.02% | 15.48% (stronger) |
| Problem loans | 2.23% | 0.60% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.33% |
| Return on assets | 0.62% | 1.78% (stronger) |
| Loans ÷ deposits | 86.0% | 60.3% (stronger) |
| Uninsured deposits | 7.6% (stronger) | 20.7% |
| Offices | 13 | 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 55). On the 7 directional measures above (where higher or lower is clearly better), Finance Factors, Ltd. 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.