Federal credit union · Ogden, Utah · NCUA charter #24693

Goldenwest

Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.

68
Health / 100
$3.95B
Total assets
208,088
Members
0.4%
Net-worth ratio

Goldenwest - Share Insurance Coverage

The 2025Q4 NCUA Call Report puts charter #24693 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.

NCUSIF coverage gauge for Goldenwest Share insurance under NCUSIF covers up to $250,000 per share owner. Goldenwest holds approximately $3.4B in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 0.4 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 0.4% · $3.4B member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Goldenwest - Five Health Pillars

This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.

  • Capital (net worth ratio) 0.41% 30% weight
  • Asset quality (delinquency) 0.35% 25% weight
  • Earnings (ROA) 1.25% 15% weight
  • Member growth 6.66% 15% weight
  • Liquidity (loan-to-share) 97% 15% weight

Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 2.7%

0.41% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.

$3.95B
Total Assets
208,088
Members
$3.29B
Total Loans
$3.37B
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 0.41% 30%
Delinquency Rate 0.35% 25%
Return on Assets 1.25% 15%
Member Growth 6.66% 15%
Loan-to-Share Ratio 97.49% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $3.95B 208,088
2024Q4 $3.46B 195,086
2023Q4 $3.06B 185,273

Credit Union Details

Charter Number
24693
Type
Federal
Field of Membership
Multiple Common Bond
Peer Group
Over $500M
State
Utah
City
Ogden
Data Quarter
2025Q4

What This Data Says About Goldenwest

The five-factor composite scores Goldenwest at 68/100 (Good), reflecting a net worth ratio of 0.41% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Ogden, Utah, reports 208,088 members, $3.95B in total assets, and $3.29B in outstanding loans as of Q4 2025 under charter #24693 (peer group Over $500M, a cohort of 749 similarly-sized institutions).

On loan book quality: 0.35% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 97.49% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.25% on net income of $49.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by 6.66%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.

Nearby Credit Unions in Utah

Other federally-insured credit unions in Utah, closest first by peer group and asset size.

Compare Goldenwest vs UTAH COMMUNITY

Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is Goldenwest financially healthy?

Based on NCUA 5300 Call Report data as of Q4 2025, Goldenwest carries a financial health score of 68/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 0.41% net worth ratio and a 0.35% delinquency rate.

How does Goldenwest compare to other credit unions?

Five weighted metrics from NCUA filings produce Goldenwest's 68/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Goldenwest?

Goldenwest serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Goldenwest directly for the current list of qualifying groups.

Is my money safe at Goldenwest?

Federal credit unions like Goldenwest 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. Goldenwest's net worth ratio of 0.41% is relative to the 7% threshold NCUA considers "well capitalized."

What rates does Goldenwest offer compared to banks?

Credit unions like Goldenwest 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 Goldenwest 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.