Side-by-side · Q2 2026 data
Synchrony 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 | Synchrony Bank | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 92 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 32 | 80 (stronger) |
| Earnings | 100 (stronger) | 91 |
| Funding & liquidity | 57 | 93 (stronger) |
| Problem-loan coverage | 84 | 96 (stronger) |
| Peer percentile | 90th | 98th |
| Total assets | $115.2B | $1.7B |
| Deposits / shares | $86.0B | $1.4B |
| Capital ratio | 12.56% | 15.48% (stronger) |
| Problem loans | 2.04% | 0.60% (stronger) |
| Net charge-offs | 5.39% | 0.33% (stronger) |
| Return on assets | 2.84% (stronger) | 1.78% |
| Loans ÷ deposits | 103.2% | 60.3% (stronger) |
| Uninsured deposits | 11.9% (stronger) | 20.7% |
| Offices | 1 | 24 |
| CFPB complaints (3 yrs) | 38,356 | — |
| Complaints per $1B deposits | 446.2 | — |
| 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), Synchrony Bank 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.