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
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 2.9% in tier
- + ROA 0.98% above tier average
- + Net Interest Margin 0.05% above tier average
- + Strong member growth: 5.8% YoY
- + Members Per Employee (MPE): Top 2.0% in tier
- + Net Worth Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 32.8% in tier
- - Shrinking Wallet Share: Bottom 83.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.3% in tier
- - Average Member Relationship (AMR): Bottom 3.7% in tier
- - Loan-to-Share Ratio: Bottom 9.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +6.0% year over year ($1.43B in shares and deposits).
- Membership: 123,532 members, +5.8% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 1.80%.
- Efficiency ratio 60.47% vs a 73.02% peer average.
- Loan-to-share ratio 60.26% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
123,532
+5.8% YoY+1.5% QoQ
|
+26.7K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$1.7B
+7.2% YoY+2.3% QoQ
|
$-34.8M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$860.2M
+2.8% YoY+1.4% QoQ
|
$-374.0M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$1.4B
+6.0% YoY+1.8% QoQ
|
$-36.0M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
1.8%
+135.7% YoY+52.3% QoQ
|
+1.0% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Top 3.0% in tier |
| NIM |
3.5%
+10.9% YoY+0.6% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
51% |
| Efficiency Ratio |
60.5%
-18.5% YoY-12.1% QoQ
|
-12.5% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Top 10.3% in tier |
| Delinquency Rate |
0.6%
-15.1% YoY+31.2% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
60.3%
-3.0% YoY-0.4% QoQ
|
-24.4% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 9.0% in tier |
| AMR |
$18,518
-0.9% YoY+0.1% QoQ
|
$-11K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.3% in tier |
| CD Concentration |
31.9%
-3.4% YoY-3.7% QoQ
|
+2.8% | 29.1% | 22.2% | 20.0% | 65% |
| Indirect Auto % |
19.2%
-5.0% YoY-2.1% QoQ
|
+1.2% | 18.1% | 9.2% | 7.7% | 60% |
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)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)