Livermore, California · Peer group 6
Operating Engineers Local Union #3 Credit Union
Operating Engineers Local Union #3 Credit Union holds $1.65B in assets across 121,682 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1963. Charter number 24235, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.65B |
|---|---|
| Total loans | $848.5M |
| Total shares (deposits) | $1.40B |
| Net worth | $251.9M |
| Members | 121,682 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 7.1% | |
|---|---|---|
| Loans | 0.8% | around the 26th percentile of its peer group |
| Deposits | 6.0% | around the 66th percentile of its peer group |
| Members | 5.7% | higher than 90% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 60.5% | lower than 91% of its peer group |
|---|---|---|
| Net worth ratio | 15.3% | higher than 94% of its peer group |
| Return on assets | 1.18% | around the 82nd percentile of its peer group |
| Delinquency ratio | 0.45% | around the 34th percentile of its peer group |
| Cash / assets | 4.8% | around the 18th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is Operating Engineers Local Union #3 Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Northrop Grumman Credit Union
Gardena, CA
$1.65B · 83,423 members
- San Francisco Fire Credit Union
San Francisco, CA
$1.60B · 72,998 members
- Keypoint Credit Union
San Jose, CA
$1.70B · 55,225 members
- San Francisco Credit Union
San Francisco, CA
$1.58B · 51,908 members
- Frontwave Credit Union
Oceanside, CA
$1.76B · 127,939 members
- Coasthills Credit Union
Santa Maria, CA
$1.77B · 83,931 members
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