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
Call Report peers
The Golden 1 in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); The Golden 1 sits in 95-99 with 391 others.
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
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).
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.
- One place up in California, San Francisco (#29) ties at 95/100; one place down, SISKIYOU (#31) ties at 95/100.
The Golden 1: 2025Q4 → 2026Q1
The Golden 1: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $21.46B (2025Q4) to $21.74B (2026Q1).
- Net-worth ratio shifted -0.02 pp (9.96% → 9.94%).
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
The Golden 1 gives up 5 points in total. Delinquency Rate costs the most, 3.1 of its 25; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is The Golden 1 financially healthy?
The Golden 1 has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #415 of 4,374 nationally on health and #30 of 243 in California. Its net worth ratio is 9.94% and its delinquency rate 0.81%.
How does The Golden 1 compare to other credit unions?
The Golden 1 scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.81% vs 0.87%). Its widest shortfall is net worth ratio (9.94% vs 11.18%).
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?
The Golden 1 is a state-chartered 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. The Golden 1's net worth ratio of 9.94% 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.