Credit Union Safety Analysis
Is Operating Engineers Local Union #3 Federal Credit Union Safe? Livermore, California
Based on its Q2 2026 NCUA 5300 call report, Operating Engineers Local Union #3 Federal Credit Union has a net worth ratio of 15.48%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.60%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Operating Engineers Local Union #3 Federal Credit Union's net worth ratio is 15.48%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.48%
- Delinquency ratio (60+ days) (Q2 2026): 0.60%
- Return on assets (Q2 2026): 2.40%
- Loan-to-share ratio (Q2 2026): 60.26%
Operating Engineers Local Union #3 Federal Credit Union (NCUA charter 24235, established 1963) reported $1.69B in assets and 123,532 members for Q2 2026 from Livermore, California. It ranks 41 of 238 credit unions in California by total assets. Total assets grew 7.2% from $1.58B on June 30, 2025. It has 6,734 more members than on June 30, 2025 (+5.8%). Its net worth ratio was up 0.42 percentage points from 15.06% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $411.9M of $860.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.60% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 15.26% for Q1 2026; 15.06% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.45% for Q1 2026; 0.70% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.18% for Q1 2026; 0.97% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 60.50% for Q1 2026; 62.15% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $411.9M
- Used vehicle loans: $208.8M
- New vehicle loans: $83.1M
- Unsecured credit card loans: $46.9M
- Commercial loans: $42.8M
- Other unsecured loans and lines of credit: $34.7M
- Other secured non-real estate loans and lines of credit: $31.6M
- Non-federally guaranteed student loans: $312K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.69B | 15.48% | 0.60% | 2.40% | 60.26% |
| March 31, 2026 | $1.65B | 15.26% | 0.45% | 1.18% | 60.50% |
| December 31, 2025 | $1.66B | 14.83% | 0.59% | 1.00% | 59.69% |
| September 30, 2025 | $1.62B | 14.96% | 0.59% | 1.36% | 60.74% |
| June 30, 2025 | $1.58B | 15.06% | 0.70% | 0.97% | 62.15% |
| March 31, 2025 | $1.54B | 15.18% | 0.46% | 0.55% | 63.63% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Operating Engineers Local Union #3 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24235) · FFIEC NIC profile (RSSD 63993)
Frequently asked questions
Is Operating Engineers Local Union #3 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Operating Engineers Local Union #3 Federal Credit Union's net worth ratio is 15.48%, above the 7% NCUA threshold for well capitalized.
Is Operating Engineers Local Union #3 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Operating Engineers Local Union #3 Federal Credit Union is a federally insured credit union (NCUA charter 24235): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Operating Engineers Local Union #3 Federal Credit Union's key safety ratios?
For Q2 2026, Operating Engineers Local Union #3 Federal Credit Union reports net worth 15.48%, delinquency 0.60%, ROA 2.40%, loan-to-share 60.26%.
What happens to my money if Operating Engineers Local Union #3 Federal Credit Union fails?
For Q2 2026, Operating Engineers Local Union #3 Federal Credit Union held $1.43B in shares and deposits for 123,532 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.