Side-by-side · Q2 2026 data
Mega 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 | Mega Bank | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 92 (stronger) |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 46 | 80 (stronger) |
| Earnings | 66 | 91 (stronger) |
| Funding & liquidity | 46 | 93 (stronger) |
| Problem-loan coverage | 82 | 96 (stronger) |
| Peer percentile | 37th | 98th |
| Total assets | $506.7M | $1.7B |
| Deposits / shares | $426.1M | $1.4B |
| Capital ratio | 14.43% | 15.48% (stronger) |
| Problem loans | 1.61% | 0.60% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.33% |
| Return on assets | 1.15% | 1.78% (stronger) |
| Loans ÷ deposits | 100.3% | 60.3% (stronger) |
| Uninsured deposits | 27.3% | 20.7% (stronger) |
| Offices | 4 | 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 68). On the 7 directional measures above (where higher or lower is clearly better), Mega Bank leads on 1 and Operating Engineers Local Union #3 Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.