The Golden 1 Credit Union
Major Rating Factors:
A current level of 5.3 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Excellent asset quality (7.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 9.7. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.6 has resulted in Fair (4.7) profitability.
Asset Mix:
Home mtgs (32%), consumer loans (30%), securities (2%), other (36%)
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
Corporate Info
Address
8945 Cal Center Drive
Sacramento, CA 95826
Sacramento, CA 95826
Phone Number
(916) 732-2900
NCUA Charter Number
Website
Largest Competitors
Sacramento, CA
Sacramento, CA
Sacramento, CA
Sacramento, CA
Sacramento, CA