Side-by-side · Q2 2026 data
United Pacific 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 Pacific Bank | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 16 | 80 (stronger) |
| Earnings | 36 | 91 (stronger) |
| Funding & liquidity | 50 | 93 (stronger) |
| Problem-loan coverage | 78 | 96 (stronger) |
| Peer percentile | 14th | 98th |
| Total assets | $191.0M | $1.7B |
| Deposits / shares | $156.8M | $1.4B |
| Capital ratio | 17.39% (stronger) | 15.48% |
| Problem loans | 2.51% | 0.60% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.33% |
| Return on assets | 0.40% | 1.78% (stronger) |
| Loans ÷ deposits | 96.9% | 60.3% (stronger) |
| Uninsured deposits | 26.6% | 20.7% (stronger) |
| Offices | 2 | 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 57). On the 7 directional measures above (where higher or lower is clearly better), United Pacific 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.