Side-by-side · Q2 2026 data
Polam Federal Credit Union vs Operating Engineers Local Union #3 Federal Credit Union
Credit union
Polam Federal Credit Union
Redwood City, California · Under $100 million in assets
Credit union
Operating Engineers Local Union #3 Federal Credit Union
Livermore, California · $1 billion – $10 billion
Metric by metric
| Measure | Polam Federal Credit Union | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 43 | 92 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 3 | 80 (stronger) |
| Earnings | 0 | 91 (stronger) |
| Funding & liquidity | 68 | 93 (stronger) |
| Problem-loan coverage | 66 | 96 (stronger) |
| Peer percentile | 4th | 98th |
| Total assets | $72.8M | $1.7B |
| Deposits / shares | $62.5M | $1.4B |
| Capital ratio | 13.63% | 15.48% (stronger) |
| Problem loans | 2.92% | 0.60% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.33% |
| Return on assets | -0.62% | 1.78% (stronger) |
| Loans ÷ deposits | 91.9% | 60.3% (stronger) |
| Uninsured deposits | 12.8% (stronger) | 20.7% |
| Offices | 6 | 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), Polam Federal Credit Union leads on 2 and Operating Engineers Local Union #3 Federal Credit Union on 5. 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.