Operating Engineers Local Union #3 Federal Credit Union (NCUA charter #24235) is based in Livermore, California. Its Q2 2026 call report shows $1.7B in total assets and $1.4B in member shares and deposits and 24 offices across 6 states.
Based on its Q2 2026 filing, Operating Engineers Local Union #3 Federal Credit Union scores 92/100, which we describe as very strong. That is higher than 98% of 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 8th. Its strongest component is capital cushion (100/100; 15.48%), and its lowest is loan quality (80/100; 0.60%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 9 points (83 → 92), mostly because the earnings component improved by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 82 |
| Q4 2024 | 83 |
| Q1 2025 | 83 |
| Q2 2025 | 83 |
| Q3 2025 | 85 |
| Q4 2025 | 85 |
| Q1 2026 | 89 |
| Q2 2026 | 92 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.31% |
| Q3 2024 | 15.26% |
| Q4 2024 | 15.27% |
| Q1 2025 | 15.18% |
| Q2 2025 | 15.06% |
| Q3 2025 | 14.96% |
| Q4 2025 | 14.83% |
| Q1 2026 | 15.26% |
| Q2 2026 | 15.48% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.70% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.59% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.60% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.72% |
| Q4 2024 | 0.76% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.75% |
| Q3 2025 | 0.94% |
| Q4 2025 | 0.94% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.78% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 92 | $1.7B | 15.48% | 0.60% | 1.78% | 60.3% |
| Q1 2026 | 89 | $1.7B | 15.26% | 0.45% | 1.18% | 60.5% |
| Q4 2025 | 85 | $1.7B | 14.83% | 0.59% | 0.94% | 59.7% |
| Q3 2025 | 85 | $1.6B | 14.96% | 0.59% | 0.94% | 60.7% |
| Q2 2025 | 83 | $1.6B | 15.06% | 0.70% | 0.75% | 62.1% |
| Q1 2025 | 83 | $1.5B | 15.18% | 0.46% | 0.55% | 63.6% |
| Q4 2024 | 83 | $1.5B | 15.27% | 0.68% | 0.76% | 64.3% |
| Q3 2024 | 82 | $1.5B | 15.26% | 0.70% | 0.72% | 66.5% |
| Q2 2024 | 80 | $1.5B | 15.31% | 0.80% | 0.57% | 68.0% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Keypoint Credit UnionCredit union San Jose, CA | 59 out of 100, Moderate | $1.7B | 9.1% | 0.36% | vs |
| Northrop Grumman Federal Credit UnionCredit union Gardena, CA | 53 out of 100, Below average | $1.6B | 9.1% | 1.62% | vs |
| Frontwave Credit UnionCredit union Oceanside, CA | 62 out of 100, Moderate | $1.7B | 9.1% | 0.81% | vs |
| San Francisco Federal Credit UnionCredit union San Francisco, CA | 86 out of 100, Very strong | $1.6B | 13.6% | 0.15% | vs |
| San Francisco Fire Credit UnionCredit union San Francisco, CA | 70 out of 100, Strong | $1.6B | 10.7% | 0.54% | vs |
| Coasthills Federal Credit UnionCredit union Santa Maria, CA | 51 out of 100, Below average | $1.8B | 8.0% | 0.67% | vs |
Deposit insurance
Is my money safe at Operating Engineers Local Union #3 Federal Credit Union?
Yes. Operating Engineers Local Union #3 Federal Credit Union is a federally insured credit union (NCUA charter #24235). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 20.7% of shares and deposits ($295.0M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 15.48%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
24 locations
Branches
Operating Engineers Local Union #3 Federal Credit Union lists 24 offices in 23 cities across 6 states. Most locations:
- Sacramento, CA (2)
- Auburn, CA (1)
- Auburn, WA (1)
- Burlingame, CA (1)
- Clovis, CA (1)
- Elko, NV (1)
- Eureka, CA (1)
- Gladstone, OR (1)
- Kapolei, HI (1)
- Livermore, CA (1)
- Martinez, CA (1)
- Modesto, CA (1)
Identity & history
Profile
- Legal name
- Operating Engineers Local Union #3 Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24235
- RSSD ID
- 63993
- Primary regulator
- NCUA
- Established
- 1963
- Headquarters
- P O Box 5073, Livermore, CA 94551
- Employees
- 219
Quick answers
Operating Engineers Local Union #3 Federal Credit Union: common questions
Is Operating Engineers Local Union #3 Federal Credit Union NCUA insured?
Yes. Operating Engineers Local Union #3 Federal Credit Union is a federally insured credit union (NCUA charter #24235). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Operating Engineers Local Union #3 Federal Credit Union's TellerScore?
92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Operating Engineers Local Union #3 Federal Credit Union have?
24 offices as of the latest NCUA data, in 6 states.
Nearby
Highest-scoring banks and credit unions with branches near Livermore
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of StocktonBank Stockton, CA | 94 out of 100, Very strong | $5.0B | 19.9% | 0.08% | vs |
| Smw 104 Federal Credit UnionCredit union Livermore, CA | 89 out of 100, Very strong | $117.9M | 12.7% | 0.32% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |
| Mokelumne Federal Credit UnionCredit union Lodi, CA | 88 out of 100, Very strong | $56.9M | 16.0% | 0.36% | vs |
| Pacific Service Credit UnionCredit union Concord, CA | 82 out of 100, Strong | $1.3B | 15.5% | 0.35% | vs |
| Chevron Federal Credit UnionCredit union Concord, CA | 81 out of 100, Strong | $5.4B | 12.4% | 0.38% | vs |