B
The Golden 1 Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Golden 1 Credit Union
Sacramento, CA
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Rating B
Asset Quality Index 7.80
Capitalization Index 6.40
Liquidity Index 2.90
Profitability Index 6.20
Stability Index 6.80
Company Info The Golden 1 Credit Union
Sacramento, CA
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NCUA Charter Number 154
Phone Number (916) 732-2900
Website www.golden1.com
Asset Quality The Golden 1 Credit Union
Sacramento, CA
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1-Year Asset Growth 7.67%
5-Year Asset Growth 8.58%
5-Year Charge-Offs to Average Loans 0.43%
Charge-Offs to Average Loans 0.75%
Non-Performing Assets to Assets 0.57%
Non-Performing Loans to Capital 5.90%
Non-Performing Loans to Loans 0.75%
Balance Sheet The Golden 1 Credit Union
Sacramento, CA
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Total Assets 21.08B
Total Deposits 18.94B
Capital and Reserves The Golden 1 Credit Union
Sacramento, CA
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Capital 1.88B
Leverage Ratio 10.12
Loan Loss Reserves to Loans 1.06%
Liquidity The Golden 1 Credit Union
Sacramento, CA
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Hot Money Ratio 20.18%
Liquidity Ratio 15.57%
Profitability The Golden 1 Credit Union
Sacramento, CA
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5-Year Return on Average Assets 0.63%
Net Income 86.56M
Net Interest Spread 3.37%
Operating Profit to Average Assets 1.23%
Overhead Efficiency Ratio 65.26%
Return on Assets 0.57%
Return on Equity 6.44%