BlastPoint's Credit Union Scorecard
OPERATING ENGINEERS LOCAL UNION #3
Charter #24235 · CA
OPERATING ENGINEERS LOCAL UNION #3 has 6 strengths but faces 5 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 17.2% in tier
- + ROA 0.46% above tier average
- + Net Interest Margin 0.10% above tier average
- + Strong member growth: 5.7% YoY
- + Members Per Employee (MPE): Top 2.3% in tier
- + Net Worth Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 33.2% in tier
- - Shrinking Wallet Share: Bottom 86.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.3% in tier
- - Average Member Relationship (AMR): Bottom 3.9% in tier
- - Loan-to-Share Ratio: Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
121,682
+5.7% YoY+0.4% QoQ
|
+25.6K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$1.7B
+7.1% YoY-0.9% QoQ
|
$-69.1M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
56% |
| Loans |
$848.5M
+0.8% YoY+0.4% QoQ
|
$-365.2M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$1.4B
+6.0% YoY-0.9% QoQ
|
$-63.0M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
56% |
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| ROA |
1.2%
+113.4% YoY+24.2% QoQ
|
+0.5% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
3.5%
+9.9% YoY+10.6% QoQ
|
+0.1% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
55% |
| Efficiency Ratio |
68.8%
-11.2% YoY-1.3% QoQ
|
-5.8% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
26% |
| Delinquency Rate |
0.5%
-2.0% YoY-23.7% QoQ
|
-0.3 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
31% |
| Loan To Share |
60.5%
-4.9% YoY+1.4% QoQ
|
-22.7% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.2% in tier |
| AMR |
$18,500
-1.6% YoY-0.8% QoQ
|
$-11K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.6% in tier |
| CD Concentration |
33.1%
+1.3% YoY+0.6% QoQ
|
+4.3% | 28.8% | 21.6% | 19.8% | 69% |
| Indirect Auto % |
19.7%
-2.7% YoY-1.7% QoQ
|
+1.6% | 18.1% | 9.0% | 7.7% | 59% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)