Federal credit union · LIVERMORE, California · NCUA charter #24235
Operating Engineers Local Union #3
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $1.66B
- Total assets
- 121,254
- Members
- 15.3%
- Net-worth ratio
Operating Engineers Local Union #3 scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.66B; members 121,254; net-worth ratio 15.26%; health rank #151 of 4,374; healthier than 95th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#151 of 4,374 health · 2025Q4Operating Engineers Local U… · health 97/100 · $1.66B · 2025Q4
- ROA 97/100
- ASSETS 15.3%
- MEM 0.59%
- RANK 0.70%
- PHOTO $1.66B
- BOOK 121,254
- CHARTER #151/4,374
- NCUSIF United Heritage
- CAMELS 24235
Call Report peers
Operating Engineers Local Union #3 in the assets neighbourhood
Operating Engineers Local Union #3's $1.66B assets sit next to United Heritage ($1.66B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Operating Engineers Local Union #3 vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Operating Engineers Local Union #3 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24235, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Operating Engineers Local Union #3: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 15.26% here, 11.18% peer average (+4.08 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -24.21 pp (59.69% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Operating Engineers Local Union #3 sits in California
- Health composite ranks #12 of 243 among scored California credit unions.
- California assets place: #42 of 243.
- Membership ranks #30 of 243 among California CUs with a reported count (121,254 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Operating Engineers Local Union #3's 5300 filing moved
Operating Engineers Local Union #3: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.9% from $1.66B (2025Q4) to $1.65B (2026Q1).
- Net-worth ratio shifted +0.43 pp (14.83% → 15.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 15.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.1 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.9 pts
Operating Engineers Local Union #3 vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.26% | +4.08 pp |
| Delinquency Rate | 0.59% | -0.28 pp |
| Return on Assets | 0.70% | +0.19 pp |
| Member Growth | 7.41% | - |
| Loan-to-Share Ratio | 59.69% | -24.21 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Operating Engineers Local Union #3 quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.65B | - |
| 2025Q4 | $1.66B | 121,254 |
| 2024Q4 | $1.52B | 112,885 |
| 2023Q4 | $1.47B | 107,029 |
Credit Union Details
- Charter Number
- 24235
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- California
- City
- LIVERMORE
- Data Quarter
- 2025Q4
Branch Locations (27)
Per its most recent NCUA branch filing, Operating Engineers Local Union #3 runs 27 offices in 26 different cities across 5 states.
| Office | City |
|---|---|
| Admin Offices (Main Office) | Livermore, CA |
| Auburn Branch | Auburn, CA |
| Burlingame Branch | Burlingame, CA |
| Clovis Branch | Clovis, CA |
| Elko Branch | Elko, NV |
| Eureka Branch | Eureka, CA |
| Fairfield Branch | Fairfield, CA |
| Gladstone Branch | Gladstone, OR |
| Hawaii Branch | Kapolei, HI |
| Las Vegas Branch | Las Vegas, NV |
| Martinez Branch | Martinez, CA |
| Modesto Branch | Modesto, CA |
| Morgan Hill Branch | Morgan Hill, CA |
| Orange Branch | Orange, CA |
| Pasadena Branch | Pasadena, CA |
| Pleasanton Branch | Pleasanton, CA |
| Redding Branch | Redding, CA |
| Reno Branch | Reno, NV |
| Rohnert Park Branch | Rohnert Park, CA |
| Sacramento 50 Branch | Sacramento, CA |
| Sacramento 80 Branch | Sacramento, CA |
| San Jose Branch | San Jose, CA |
| San Leandro Branch | San Leandro, CA |
| Utah Branch | Sandy, UT |
| Stockton Branch | Stockton, CA |
| Tracy Branch | Tracy, CA |
| Yuba City Branch | Yuba City, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Operating Engineers Local Union #3, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.66B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Operating Engineers Local Union #3 ranks #151 of 4,374 nationally on financial health and #12 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KEYPOINT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KEYPOINT
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Operating Engineers Local Union #3 financially healthy?
Operating Engineers Local Union #3 has a financial health score of 97/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #151 of 4,374; by total assets it ranks #297 of 4,374 nationally (same basis as /rankings/largest); and #42 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.26% and delinquency rate of 0.59%.
How does Operating Engineers Local Union #3 compare to other credit unions?
Operating Engineers Local Union #3 scores 97/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Operating Engineers Local Union #3?
Operating Engineers Local Union #3 operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Operating Engineers Local Union #3 directly for the exact boundaries and application steps.
Is my money safe at Operating Engineers Local Union #3?
Federal credit unions like Operating Engineers Local Union #3 are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Operating Engineers Local Union #3's net worth ratio of 15.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Operating Engineers Local Union #3 offer compared to banks?
Credit unions like Operating Engineers Local Union #3 are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Operating Engineers Local Union #3 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.