Side-by-side · Q2 2026 data
Sound Banking Company 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 | Sound Banking Company | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 92 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 100 (stronger) | 80 |
| Earnings | 100 (stronger) | 91 |
| Funding & liquidity | 39 | 93 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 70th | 98th |
| Total assets | $45.2M | $1.7B |
| Deposits / shares | $39.6M | $1.4B |
| Capital ratio | 12.08% | 15.48% (stronger) |
| Problem loans | 0.00% (stronger) | 0.60% |
| Net charge-offs | 0.07% (stronger) | 0.33% |
| Return on assets | 2.52% (stronger) | 1.78% |
| Loans ÷ deposits | 96.6% | 60.3% (stronger) |
| Uninsured deposits | 37.4% | 20.7% (stronger) |
| 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 82). On the 7 directional measures above (where higher or lower is clearly better), Sound Banking Company leads on 3 and Operating Engineers Local Union #3 Federal 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.