B
The Golden 1 Credit Union
Data as of
March 31, 2022
Risk Based
Capital Ratio
Leverage
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Assets
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Assets
Capital
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Major Rating Factors: A current level of 2.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors: Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 9.4. Fair liquidity 4.8, driven by a liquidity ratio of 23.6 percent and a “hot money” ratio of 5.6 percent.
Asset Mix: Home mtgs (26%), consumer loans (25%), securities (3%), other (47%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Address
8945 Cal Center Drive
Sacramento, CA 95826
Phone Number
(916) 732-2900
NCUA Charter Number
154
Largest Competitors
Weiss Ratings