BlastPoint's Credit Union Scorecard
OPERATING ENGINEERS LOCAL UNION #3
Charter #24235 · CA
OPERATING ENGINEERS LOCAL UNION #3 has 6 strengths but faces 7 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
- + Organic Growth Engine: Top 4.4% in tier
- + Emerging Performer: Top 15.5% in tier
- + ROA 0.25% above tier average
- + Strong member growth: 7.5% YoY
- + Members Per Employee (MPE): Top 1.6% in tier
- + Net Worth Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 11.9% in tier
- - Indirect Auto Dependency: Bottom 22.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.0% in tier
- - Average Member Relationship (AMR): Bottom 4.3% in tier
- - Fee Income Per Member: Bottom 7.6% in tier
- - Loan-to-Share Ratio: Bottom 7.6% in tier
- - AMR Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
119,249
+7.5% YoY+2.1% QoQ
|
+20.6K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
71% |
| Assets |
$1.6B
+8.5% YoY+3.0% QoQ
|
$-96.4M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
55% |
| Loans |
$840.3M
-1.6% YoY+0.4% QoQ
|
$-392.8M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$1.4B
+7.8% YoY+2.8% QoQ
|
$-71.0M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
55% |
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| ROA |
1.0%
+32.0% YoY+25.1% QoQ
|
+0.2% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
3.1%
+0.3% YoY+0.1% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
72.2%
-2.2% YoY-2.8% QoQ
|
-1.8% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.6%
-15.7% YoY-16.0% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
60.7%
-8.7% YoY-2.3% QoQ
|
-24.5% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.2% in tier |
| AMR |
$18,647
-3.2% YoY-0.2% QoQ
|
$-11K |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.9% in tier |
| CD Concentration |
32.8%
+5.6% YoY-0.5% QoQ
|
+3.9% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
69% |
| Indirect Auto % |
20.2%
+1.1% YoY-0.1% QoQ
|
+1.5% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
58% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)