Credit Union Safety Analysis
Is The Golden 1 Credit Union Safe? Sacramento, California
Based on its Q2 2026 NCUA 5300 call report, The Golden 1 Credit Union has a net worth ratio of 9.91%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.80%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of The Golden 1 Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, The Golden 1 Credit Union's net worth ratio is 9.91%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.91%
- Delinquency ratio (60+ days) (Q2 2026): 0.80%
- Return on assets (Q2 2026): 0.59%
- Loan-to-share ratio (Q2 2026): 82.48%
The Golden 1 Credit Union (NCUA charter 61650, established 1933) reported $22.15B in assets and 1,199,691 members for Q2 2026 from Sacramento, California. It ranks 3 of 238 credit unions in California by total assets. Total assets grew 7.6% from $20.58B on June 30, 2025. It has 47,645 more members than on June 30, 2025 (+4.1%). Its net worth ratio was down 0.29 percentage points from 10.20% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $8.45B of $16.40B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.80% is below the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 9.94% for Q1 2026; 10.20% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 0.69% for Q1 2026; 0.71% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 0.45% for Q1 2026; 0.53% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 82.91% for Q1 2026; 81.45% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $8.45B
- Used vehicle loans: $2.41B
- New vehicle loans: $2.13B
- Commercial loans: $1.66B
- Unsecured credit card loans: $781.9M
- Other unsecured loans and lines of credit: $624.6M
- Other secured non-real estate loans and lines of credit: $347.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $22.15B | 9.91% | 0.80% | 0.59% | 82.48% |
| March 31, 2026 | $21.74B | 9.94% | 0.69% | 0.45% | 82.91% |
| December 31, 2025 | $21.46B | 9.96% | 0.81% | 0.44% | 83.60% |
| September 30, 2025 | $21.08B | 10.11% | 0.75% | 0.60% | 81.94% |
| June 30, 2025 | $20.58B | 10.20% | 0.71% | 0.53% | 81.45% |
| March 31, 2025 | $20.31B | 10.20% | 0.65% | 0.55% | 80.98% |
Add this badge to your website
Free to use. It shows The Golden 1 Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
The Golden 1 Credit Union profile
Regulator records: NCUA credit union profile (charter 61650) · FFIEC NIC profile (RSSD 959395)
Frequently asked questions
Is The Golden 1 Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, The Golden 1 Credit Union's net worth ratio is 9.91%, above the 7% NCUA threshold for well capitalized.
Is The Golden 1 Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. The Golden 1 Credit Union is a federally insured credit union (NCUA charter 61650): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are The Golden 1 Credit Union's key safety ratios?
For Q2 2026, The Golden 1 Credit Union reports net worth 9.91%, delinquency 0.80%, ROA 0.59%, loan-to-share 82.48%.
What happens to my money if The Golden 1 Credit Union fails?
For Q2 2026, The Golden 1 Credit Union held $19.89B in shares and deposits for 1,199,691 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.