OPERATING ENGINEERS LOCAL UNION #3
Charter #24235 · LIVERMORE, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 121,682 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.26% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.18% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 68.80% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 33rd percentile but its structural peers at the 70th — a 37-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | OPERATING ENGINEERS LOCAL UNION #3 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.65B | 36th pct | 67th pct |
| Members | 121,682 | 51th pct | 79th pct |
| Net worth ratio | 15.26% | 93th pct | 92th pct |
| Return on average assets | 1.18% | 80th pct | 80th pct |
| Net interest margin | 3.44% | 56th pct | 51th pct |
| Cost of funds | 1.43% | 33th pct | 70th pct |
| Loan-to-share | 60.50% | 8th pct | 30th pct |
| Delinquency 60+ days | 0.45% | 33th pct | 33th pct |
| Net charge-off ratio | 0.42% | 36th pct | 30th pct |
| Loan growth YoY | 0.98% | 39th pct | 60th pct |
| Share growth YoY | 1.39% | 13th pct | 13th pct |
| Efficiency ratio | 68.80% | 36th pct | 21th pct |
structural peer set hash: 78b5bea13646e0161a69495272a7182f… (reproducible)
Closest structural peers
This is the free public view
Claim OPERATING ENGINEERS LOCAL UNION #3
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.