B
Operating Engineers Local Union #3 Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
13.89
Leverage
Ratio
14.96
Return On
Assets
0.98%
Total
Assets
1.62B
Capital
225.41M
Total
Deposits
1.38B
Net
Income
11.44M
My Lists My Alerts
Weiss Ratings Operating Engineers Local Union #3 Federal Credit Union
Livermore, CA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 9.80
Capitalization Index 10.00
Liquidity Index 3.40
Profitability Index 6.80
Stability Index 8.80
Company Info Operating Engineers Local Union #3 Federal Credit Union
Livermore, CA 		Click to
Compare		 Click to
Compare		 Click to
Compare
NCUA Charter Number 122
Phone Number (925) 454-4000
Website www.oefederal.org
Asset Quality Operating Engineers Local Union #3 Federal Credit Union
Livermore, CA 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 8.54%
5-Year Asset Growth 5.14%
5-Year Charge-Offs to Average Loans 0.41%
Charge-Offs to Average Loans 0.49%
Non-Performing Assets to Assets 0.33%
Non-Performing Loans to Capital 2.29%
Non-Performing Loans to Loans 0.59%
Balance Sheet Operating Engineers Local Union #3 Federal Credit Union
Livermore, CA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 1.62B
Total Deposits 1.38B
Capital and Reserves Operating Engineers Local Union #3 Federal Credit Union
Livermore, CA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 225.41M
Leverage Ratio 14.96
Loan Loss Reserves to Loans 1.11%
Liquidity Operating Engineers Local Union #3 Federal Credit Union
Livermore, CA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 21.91%
Liquidity Ratio 17.64%
Profitability Operating Engineers Local Union #3 Federal Credit Union
Livermore, CA 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 0.77%
Net Income 11.44M
Net Interest Spread 3.52%
Operating Profit to Average Assets 1.10%
Overhead Efficiency Ratio 72.16%
Return on Assets 0.98%
Return on Equity 7.23%