State credit union · SACRAMENTO, California · NCUA charter #61650
The Golden 1
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $21.46B
- Total assets
- 1,181,184
- Members
- 10.0%
- Net-worth ratio
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.
The Golden 1 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)88
- Earnings (ROA)100
- Member growth88
- Liquidity (loan-to-share)100
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.96% | 30% |
| Delinquency Rate | 0.81% | 25% |
| Return on Assets | 0.50% | 15% |
| Member Growth | 3.49% | 15% |
| Loan-to-Share Ratio | 83.60% | 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 | $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
What This Data Says About The Golden 1
Charter #61650, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's The Golden 1, a state credit union in SACRAMENTO, California with 1,181,184 members, $21.46B in total assets, and $16.09B in outstanding loans as of Q4 2025. The five-factor composite scores it 95/100 (Excellent), helped by a net worth ratio of 9.96% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.81% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 83.60% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.50% on net income of $106.7M 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 3.49%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.96% 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 9.96% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.