The Golden 1

SACRAMENTO, CA · 2 · Charter #61650 · www.golden1.com
Large (>$10B)Reporting period: Q4 2025Peer group: 21 CUs

Performance vs peers

Percentile rank within the Large (>$10B) peer group (21 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$21.5B
62th percentile
Members
1,181,184
57th percentile
Total loans
$16.1B
62th percentile
Total shares
$18.9B
62th percentile

Profitability

Return on assets
0.84%
33th percentile
Net interest margin
2.91%
43th percentile
Efficiency ratio
42.36%
48th percentile
Non-interest income ratio
9.48%
10th percentile

Capital & Risk

Net worth ratio
9.96%
48th percentile
Delinquency rate
0.81%
81th percentile
Net charge-off rate
0.71%
57th percentile
Loan-to-share
84.93%
29th percentile

Growth

Member growth YoY
3.49%
43th percentile
Asset growth YoY
9.44%
67th percentile
Loan growth YoY
10.19%
86th percentile
Share growth YoY
9.04%
52th percentile

Operations

Members / branch
18,749
60th percentile
Assets / member
$18,169
43th percentile
Field of membership penetration
2.99%
14th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for The Golden 1?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo