Side-by-side · Q2 2026 data
United Business 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 | United Business Bank | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 92 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 84 (stronger) | 80 |
| Earnings | 25 | 91 (stronger) |
| Funding & liquidity | 31 | 93 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 21st | 98th |
| Total assets | $2.6B | $1.7B |
| Deposits / shares | $2.2B | $1.4B |
| Capital ratio | 11.66% | 15.48% (stronger) |
| Problem loans | 0.47% (stronger) | 0.60% |
| Net charge-offs | 0.28% (stronger) | 0.33% |
| Return on assets | 0.12% | 1.78% (stronger) |
| Loans ÷ deposits | 94.4% | 60.3% (stronger) |
| Uninsured deposits | 46.5% | 20.7% (stronger) |
| Offices | 34 | 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 60). On the 7 directional measures above (where higher or lower is clearly better), United Business Bank leads on 2 and Operating Engineers Local Union #3 Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.