Side-by-side · Q2 2026 data
Universal 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 | Universal Bank | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 80 (stronger) |
| Earnings | 34 | 91 (stronger) |
| Funding & liquidity | 66 | 93 (stronger) |
| Problem-loan coverage | 72 | 96 (stronger) |
| Peer percentile | 10th | 98th |
| Total assets | $388.0M | $1.7B |
| Deposits / shares | $275.1M | $1.4B |
| Capital ratio | 17.80% (stronger) | 15.48% |
| Problem loans | 3.74% | 0.60% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.33% |
| Return on assets | 0.36% | 1.78% (stronger) |
| Loans ÷ deposits | 94.1% | 60.3% (stronger) |
| Uninsured deposits | 13.7% (stronger) | 20.7% |
| Offices | 5 | 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 54). On the 7 directional measures above (where higher or lower is clearly better), Universal Bank leads on 3 and Operating Engineers Local Union #3 Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.