B
The Golden 1 Credit Union
Rating Date
September 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 7.90
Capitalization Index 6.30
Liquidity Index 2.90
Profitability Index 5.40
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 6.52%
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 0.55%
Non-Performing Loans to Capital 5.71%
Non-Performing Loans to Loans 0.71%
Balance Sheet The Golden 1 Credit Union
Sacramento, CA
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Total Assets 20.58B
Total Deposits 18.51B
Capital and Reserves The Golden 1 Credit Union
Sacramento, CA
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Capital 1.82B
Leverage Ratio 10.21
Loan Loss Reserves to Loans 1.04%
Liquidity The Golden 1 Credit Union
Sacramento, CA
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Hot Money Ratio 19.23%
Liquidity Ratio 14.94%
Profitability The Golden 1 Credit Union
Sacramento, CA
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5-Year Return on Average Assets 0.63%
Net Income 55.06M
Net Interest Spread 3.30%
Operating Profit to Average Assets 1.19%
Overhead Efficiency Ratio 65.78%
Return on Assets 0.55%
Return on Equity 6.25%