State credit union · SACRAMENTO, California · NCUA charter #61650
The Golden 1
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $21.46B
- Total assets
- 1,181,184
- Members
- 9.9%
- Net-worth ratio
The Golden 1 scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.46B; members 1,181,184; net-worth ratio 9.94%; health rank #415 of 4,374; healthier than 90th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#415 of 4,374 health · 2025Q4The Golden 1 · health 95/100 · $21.46B · 2025Q4
- MEM 95/100
- RANK 9.9%
- PHOTO 0.81%
- BOOK 0.50%
- CHARTER $21.46B
- NCUSIF 1,181,184
- CAMELS #415/4,374
- HEALTH Mountain America
- NW 61650
Call Report peers
The Golden 1 in the assets neighbourhood
The Golden 1's $21.46B assets sit next to Mountain America ($21.86B) 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.
The Golden 1 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
95 Top 10% higher than 90% 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
The Golden 1 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61650 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where The Golden 1 diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.81% vs peer 0.87% (-0.07 pp).
- Largest lag: Net Worth Ratio at 9.94% vs peer 11.18% (-1.24 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where The Golden 1 sits in California
- In California, health place is #30 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #2 of 243.
- Member book place in California: #2 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.
The Golden 1: 2025Q4 → 2026Q1
The Golden 1: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $21.46B (2025Q4) to $21.74B (2026Q1).
- Net-worth ratio shifted -0.02 pp (9.96% → 9.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.94% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 21.9 pts
- Return on Assets 15.0 pts
- Member Growth 13.2 pts
- Loan-to-Share Ratio 15.0 pts
The Golden 1 vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.94% | -1.24 pp |
| Delinquency Rate | 0.81% | -0.07 pp |
| Return on Assets | 0.50% | -0.01 pp |
| Member Growth | 3.49% | - |
| Loan-to-Share Ratio | 83.60% | -0.30 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - The Golden 1
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.74B | - |
| 2025Q4 | $21.46B | 1,181,184 |
| 2024Q4 | $19.61B | 1,141,377 |
| 2023Q4 | $21.13B | 1,115,065 |
Credit Union Details
- Charter Number
- 61650
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- SACRAMENTO
- Data Quarter
- 2025Q4
Branch Locations (63)
Per its most recent NCUA branch filing, The Golden 1 runs 63 offices in 42 different cities.
| Office | City |
|---|---|
| The Golden 1 Credit Union Corporate Office (Main Office) | Sacramento, CA |
| Atascadero | Atascadero, CA |
| Auburn | Auburn, CA |
| Bakersfield | Bakersfield, CA |
| Carmichael | Carmichael, CA |
| Chico | Chico, CA |
| Sunrise | Citrus Heights, CA |
| Clovis | Clovis, CA |
| Davis | Davis, CA |
| El Dorado Hills | El Dorado Hills, CA |
| Elk Grove | Elk Grove, CA |
| Elk Grove Commons | Elk Grove, CA |
| Vineyard | Elk Grove, CA |
| Fairfield | Fairfield, CA |
| Folsom | Folsom, CA |
| Folsom Ranch | Folsom, CA |
| Fig Garden | Fresno, CA |
| Shaw | Fresno, CA |
| Fresno Nees | Fresno, CA |
| Santa Barbara | Goleta, CA |
| Hanford | Hanford, CA |
| Jackson | Jackson, CA |
| Lincoln | Lincoln, CA |
| Madera Branch and Financial Resource Center | Madera, CA |
| Modesto | Modesto, CA |
| Napa | Napa, CA |
| Oakhurst | Oakhurst, CA |
| Uptown Oakland | Oakland, CA |
| Ontario | Ontario, CA |
| Paso Robles | Paso Robles, CA |
| Placerville | Placerville, CA |
| Rancho Cordova | Rancho Cordova, CA |
| Redding | Redding, CA |
| Roseville Pleasant Grove | Roseville, CA |
| Roseville | Roseville, CA |
| Arden Town | Sacramento, CA |
| CSU Sacramento | Sacramento, CA |
| Elkhorn | Sacramento, CA |
| I-5/Florin | Sacramento, CA |
| Promenade | Sacramento, CA |
| Med Center | Sacramento, CA |
| Point West Center | Sacramento, CA |
| Senator | Sacramento, CA |
| North Natomas | Sacramento, CA |
| Southgate | Sacramento, CA |
| Center Branch | Sacramento, CA |
| Cosumnes Branch and Financial Resource Center | Sacramento, CA |
| Financial Resource Center - Del Paso Heights | Sacramento, CA |
| Land Park | Sacramento, CA |
| Westridge | Salinas, CA |
| Mission Bay | San Francisco, CA |
| San Jose | San Jose, CA |
| San Luis Obispo | San Luis Obispo, CA |
| Stockton | Stockton, CA |
| Stockton-Morada | Stockton, CA |
| Susanville | Susanville, CA |
| Tracy | Tracy, CA |
| Turlock | Turlock, CA |
| Vacaville | Vacaville, CA |
| Vallejo | Vallejo, CA |
| West Sacramento | West Sacramento, CA |
| Woodland | Woodland, CA |
| Yuba City | Yuba City, CA |
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.
The Golden 1 nationwide neighbourhoods
Two NCUA Call Report peer sets for The Golden 1, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.46B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- The Golden 1 ranks #415 of 4,374 nationally on financial health and #30 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Technology is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Technology
- 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 The Golden 1 financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - The Golden 1'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 #415 of 4,374; by total assets it ranks #8 of 4,374 nationally (same basis as /rankings/largest); and #2 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.94% net worth ratio and 0.81% delinquency rate are the key drivers.
How does The Golden 1 compare to other credit unions?
On PlainCU's health composite, The Golden 1 lands at 95/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 The Golden 1?
Membership eligibility for The Golden 1 depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact The Golden 1 directly for current membership requirements and application steps.
Is my money safe at The Golden 1?
Federal credit unions like The Golden 1 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. The Golden 1's net worth ratio of 9.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Golden 1 offer compared to banks?
Credit unions like The Golden 1 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 The Golden 1 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.