Operating Engineers Local Union #3

LIVERMORE, CA · 1 · Charter #24235 · www.oefederal.org/
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.7B
38th percentile
Members
121,254
51th percentile
Total loans
$845.1M
13th percentile
Total shares
$1.4B
39th percentile

Profitability

Return on assets
1.22%
65th percentile
Net interest margin
3.09%
41th percentile
Efficiency ratio
53.70%
41th percentile
Non-interest income ratio
18.05%
46th percentile

Capital & Risk

Net worth ratio
14.84%
93th percentile
Delinquency rate
0.59%
64th percentile
Net charge-off rate
0.41%
62th percentile
Loan-to-share
59.69%
6th percentile

Growth

Member growth YoY
7.41%
89th percentile
Asset growth YoY
9.67%
79th percentile
Loan growth YoY
0.23%
20th percentile
Share growth YoY
8.04%
70th percentile

Operations

Members / branch
4,491
11th percentile
Assets / member
$13,731
12th percentile
Field of membership penetration
69.29%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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