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
- DELQ 89/100
- ROA 11.3%
- ASSETS 0.94%
- MEM 0.50%
- RANK $38.9M
- PHOTO 3,298
- BOOK #1,288/4,374
- CHARTER National J. a. C. L.
- NCUSIF 11652
Call Report peers
Golden Valley in the assets neighbourhood
Golden Valley's $38.9M assets sit next to National J. a. C. L. ($38.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Golden Valley vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11652: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Golden Valley Call Report trajectory
Golden Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $38.9M (2025Q4) to $39.4M (2026Q1).
- Net-worth ratio shifted -0.02 pp (11.36% → 11.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Golden Valley's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($38.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Golden Valley financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - Golden Valley's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,288 of 4,374; by total assets it ranks #2,631 of 4,374 nationally (same basis as /rankings/largest); and #195 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.34% net worth ratio and 0.94% delinquency rate are the key drivers.
How does Golden Valley compare to other credit unions?
Golden Valley scores 89/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Golden Valley are 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."
What rates does Golden Valley offer compared to banks?
Credit unions like Golden Valley are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Golden Valley directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.