Side-by-side · Q2 2026 data
Zions Bancorporation, N.A. 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 | Zions Bancorporation, N.A. | Operating Engineers Local Union #3 Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 92 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 84 (stronger) | 80 |
| Earnings | 82 | 91 (stronger) |
| Funding & liquidity | 45 | 93 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 63rd | 98th |
| Total assets | $89.0B | $1.7B |
| Deposits / shares | $76.6B | $1.4B |
| Capital ratio | 9.43% | 15.48% (stronger) |
| Problem loans | 0.47% (stronger) | 0.60% |
| Net charge-offs | 0.04% (stronger) | 0.33% |
| Return on assets | 1.55% | 1.78% (stronger) |
| Loans ÷ deposits | 80.8% | 60.3% (stronger) |
| Uninsured deposits | 46.2% | 20.7% (stronger) |
| Offices | 407 | 24 |
| CFPB complaints (3 yrs) | 363 | — |
| Complaints per $1B deposits | 4.7 | — |
| Mortgage denial rate (HMDA) | 30.7% | — |
Operating Engineers Local Union #3 Federal Credit Union has the higher TellerScore (92 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Zions Bancorporation, N.A. 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.