Side-by-side · Q2 2026 data
El Dorado Savings Bank, F.S.B. vs The Golden 1 Credit Union
Metric by metric
| Measure | El Dorado Savings Bank, F.S.B. | The Golden 1 Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 62 |
| Capital cushion | 84 (stronger) | 49 |
| Loan quality | 91 (stronger) | 73 |
| Earnings | 57 (stronger) | 41 |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 95th | 42nd |
| Total assets | $2.4B | $22.2B |
| Deposits / shares | $2.1B | $19.9B |
| Capital ratio | 13.43% (stronger) | 9.91% |
| Problem loans | 0.28% (stronger) | 0.80% |
| Net charge-offs | 0.01% (stronger) | 0.82% |
| Return on assets | 0.93% (stronger) | 0.52% |
| Loans ÷ deposits | 23.3% (stronger) | 82.5% |
| Uninsured deposits | 10.7% | 6.9% (stronger) |
| Offices | 35 | 59 |
| CFPB complaints (3 yrs) | — | 553 |
| Complaints per $1B deposits | — | 27.8 |
| Mortgage denial rate (HMDA) | — | — |
El Dorado Savings Bank, F.S.B. has the higher TellerScore (84 vs 62). On the 7 directional measures above (where higher or lower is clearly better), El Dorado Savings Bank, F.S.B. leads on 6 and The Golden 1 Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Sacramento, CA
- Elk Grove, CA
- Placerville, CA
- Folsom, CA
- Auburn, CA
- Citrus Heights, CA
- Jackson, CA
- El Dorado Hills, CA
- Carmichael, CA