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
Call Report peers
Operating Engineers Local Union #3 in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Operating Engineers Local Union #3 sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in California, Families and Schools Together (#11) ties at 97/100; one place down, NOVO (#13) ties at 97/100.
How Operating Engineers Local Union #3's 5300 filing moved
Operating Engineers Local Union #3: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.9% from $1.66B (2025Q4) to $1.65B (2026Q1).
- Net-worth ratio shifted +0.43 pp (14.83% → 15.26%).
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
Operating Engineers Local Union #3 gives up 3 points in total. Loan-to-Share Ratio costs the most, 2.3 of its 15; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Operating Engineers Local Union #3 financially healthy?
On its 2025Q4 NCUA 5300 filing, Operating Engineers Local Union #3 scores 97/100 (Excellent), with a 15.26% net worth ratio and 0.59% of loans delinquent. It ranks #151 of 4,374 nationally on health and #12 of 243 in California.
How does Operating Engineers Local Union #3 compare to other credit unions?
Operating Engineers Local Union #3 scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (15.26% vs 11.18%). Its widest shortfall is loan-to-share ratio (59.69% vs 83.90%).
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?
Operating Engineers Local Union #3 is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.