Side-by-side · Q2 2026 data
Summit State 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 | Summit State Bank | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 42 | 92 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 19 | 80 (stronger) |
| Earnings | 23 | 91 (stronger) |
| Funding & liquidity | 62 | 93 (stronger) |
| Problem-loan coverage | 64 | 96 (stronger) |
| Peer percentile | 3rd | 98th |
| Total assets | $959.8M | $1.7B |
| Deposits / shares | $846.1M | $1.4B |
| Capital ratio | 10.84% | 15.48% (stronger) |
| Problem loans | 2.43% | 0.60% (stronger) |
| Net charge-offs | 2.17% | 0.33% (stronger) |
| Return on assets | 0.07% | 1.78% (stronger) |
| Loans ÷ deposits | 88.2% | 60.3% (stronger) |
| Uninsured deposits | 24.4% | 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 42). On the 7 directional measures above (where higher or lower is clearly better), Summit State Bank leads on 0 and Operating Engineers Local Union #3 Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.