BlastPoint's Credit Union Scorecard
OPERATING ENGINEERS LOCAL UNION #3
Charter #24235 · CA
OPERATING ENGINEERS LOCAL UNION #3 has 7 strengths but faces 5 concerns
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How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 11.8% in tier
- + Organic Growth Engine: Top 13.4% in tier
- + Organic Growth Leader: Top 19.9% in tier
- + ROA 0.27% above tier average
- + Strong member growth: 7.4% YoY
- + Members Per Employee (MPE): Top 2.3% in tier
- + Net Worth Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 62.8% in tier
- - Indirect Auto Dependency: Bottom 71.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
- - Average Member Relationship (AMR): Bottom 3.6% in tier
- - Loan-to-Share Ratio: Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
121,254
+7.4% YoY+1.7% QoQ
|
+23.8K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$1.7B
+9.7% YoY+2.6% QoQ
|
$-58.4M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$845.1M
+0.2% YoY+0.6% QoQ
|
$-389.3M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$1.4B
+8.0% YoY+2.3% QoQ
|
$-43.5M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
1.0%
+23.5% YoY-0.4% QoQ
|
+0.3% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
75% |
| NIM |
3.1%
+0.7% YoY-0.4% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
69.7%
-4.6% YoY-3.4% QoQ
|
-4.3% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.6%
-13.0% YoY+1.0% QoQ
|
-0.3 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
59.7%
-7.2% YoY-1.7% QoQ
|
-25.1% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.3% in tier |
| AMR |
$18,646
-2.3% YoY-0.0% QoQ
|
$-11K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.3% in tier |
| CD Concentration |
32.9%
+5.0% YoY+0.3% QoQ
|
+3.9% | 29.0% | 21.7% | 19.8% | 69% |
| Indirect Auto % |
20.0%
-0.7% YoY-1.2% QoQ
|
+1.7% | 18.3% | 9.2% | 7.8% | 59% |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)