Side-by-side · Q2 2026 data
Operating Engineers Local Union #3 Federal Credit Union vs Central State Credit Union
Credit union
Operating Engineers Local Union #3 Federal Credit Union
Livermore, California · $1 billion – $10 billion
Metric by metric
| Measure | Operating Engineers Local Union #3 Federal Credit Union | Central State Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 80 | 87 (stronger) |
| Earnings | 91 (stronger) | 31 |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 98th | 34th |
| Total assets | $1.7B | $258.2M |
| Deposits / shares | $1.4B | $211.3M |
| Capital ratio | 15.48% (stronger) | 9.01% |
| Problem loans | 0.60% | 0.40% (stronger) |
| Net charge-offs | 0.33% | 0.28% (stronger) |
| Return on assets | 1.78% (stronger) | 0.28% |
| Loans ÷ deposits | 60.3% | 40.8% (stronger) |
| Uninsured deposits | 20.7% | 6.2% (stronger) |
| Offices | 24 | 4 |
| 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 65). On the 7 directional measures above (where higher or lower is clearly better), Operating Engineers Local Union #3 Federal Credit Union leads on 3 and Central State Credit Union on 4. 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.