Federal credit union · Manteca, California · NCUA charter #11652
Golden Valley
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $38.9M
- Total assets
- 3,298
- Members
- 11.3%
- Net-worth ratio
Golden Valley scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.9M; members 3,298; net-worth ratio 11.34%; health rank #1,288 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,288 of 4,374 health · 2025Q4Golden Valley · health 89/100 · $38.9M · 2025Q4
Call Report peers
Golden Valley in the assets neighbourhood
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Golden Valley vs every NCUA-scored credit union
Golden Valley sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Golden Valley: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +7.10 pp (66.90% vs 59.80%).
- Net Worth Ratio trails the peer set - 11.34% here, 14.86% peer average (-3.52 pp).
California standing for Golden Valley
- Health composite ranks #79 of 243 among scored California credit unions.
- By total assets, Golden Valley is #195 of 243 in California.
- Member book place in California: #177 of 243.
- One place up in California, Merced School Employees (#78) ties at 89/100; one place down, Santa Cruz Community (#80) ties at 89/100.
Golden Valley Call Report trajectory
Golden Valley: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $38.9M (2025Q4) to $39.4M (2026Q1).
- Net-worth ratio shifted -0.02 pp (11.36% → 11.34%).
At 11.34%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Golden Valley gives up 11 points in total. Member Growth costs the most, 5.3 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.6 pts
- Return on Assets 14.9 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 13.8 pts
Golden Valley health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.34% | -3.52 pp |
| Delinquency Rate | 0.94% | -0.21 pp |
| Return on Assets | 0.50% | -0.21 pp |
| Member Growth | 0.55% | - |
| Loan-to-Share Ratio | 66.90% | +7.10 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Golden Valley quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.4M | - |
| 2025Q4 | $38.9M | 3,298 |
| 2024Q4 | $39.5M | 3,280 |
| 2023Q4 | $41.2M | 3,266 |
Credit Union Details
- Charter Number
- 11652
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- California
- City
- Manteca
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Golden Valley, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Golden Valley Federal Credit Union (Main Office) | Manteca, CA |
| CMC | Sandy, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Cross-state Call Report peers for Golden Valley
Using this data
- Golden Valley ranks #1,288 of 4,374 nationally on financial health and #79 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FOX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FOX
Frequently Asked Questions
Is Golden Valley financially healthy?
Golden Valley has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,288 of 4,374 nationally on health and #79 of 243 in California. Its net worth ratio is 11.34% and its delinquency rate 0.94%.
How does Golden Valley compare to other credit unions?
Golden Valley scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (66.90% vs 59.80%). Its widest shortfall is net worth ratio (11.34% vs 14.86%).
How can I join Golden Valley?
Golden Valley operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Golden Valley directly for the exact boundaries and application steps.
Is my money safe at Golden Valley?
Golden Valley is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Golden Valley's net worth ratio of 11.34% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.