The Golden 1 Credit Union (NCUA charter #61650) is based in Sacramento, California. Its Q2 2026 call report shows $22.2B in total assets and $19.9B in member shares and deposits and 59 offices.
Based on its Q2 2026 filing, The Golden 1 Credit Union scores 62/100, which we describe as moderate. That is higher than only 42% of 25 credit unions with over $10 billion. Among 238 credit unions headquartered in California, it ranks 161st. Its strongest component is problem-loan coverage (88/100; 6.2%), and its lowest is earnings (41/100; 0.52%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (64 → 62), mostly because the capital cushion component weakened by 3 points.
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| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 64 |
| Q4 2024 | 63 |
| Q1 2025 | 64 |
| Q2 2025 | 64 |
| Q3 2025 | 63 |
| Q4 2025 | 62 |
| Q1 2026 | 62 |
| Q2 2026 | 62 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.41% |
| Q3 2024 | 10.41% |
| Q4 2024 | 10.43% |
| Q1 2025 | 10.20% |
| Q2 2025 | 10.20% |
| Q3 2025 | 10.11% |
| Q4 2025 | 9.96% |
| Q1 2026 | 9.94% |
| Q2 2026 | 9.91% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.81% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.80% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.55% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $22.2B | 9.91% | 0.80% | 0.52% | 82.5% |
| Q1 2026 | 62 | $21.7B | 9.94% | 0.69% | 0.45% | 82.9% |
| Q4 2025 | 62 | $21.5B | 9.96% | 0.81% | 0.51% | 83.6% |
| Q3 2025 | 63 | $21.1B | 10.11% | 0.75% | 0.55% | 81.9% |
| Q2 2025 | 64 | $20.6B | 10.20% | 0.71% | 0.54% | 81.4% |
| Q1 2025 | 64 | $20.3B | 10.20% | 0.65% | 0.55% | 81.0% |
| Q4 2024 | 63 | $19.6B | 10.43% | 0.82% | 0.54% | 82.6% |
| Q3 2024 | 64 | $19.6B | 10.41% | 0.73% | 0.56% | 83.3% |
| Q2 2024 | 64 | $19.3B | 10.41% | 0.72% | 0.58% | 83.4% |
25 peers · Over $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Technology Federal Credit UnionCredit union San Jose, CA | 53 out of 100, Below average | $27.9B | 10.8% | 1.61% | vs |
| Redwood Credit UnionCredit union Santa Rosa, CA | 78 out of 100, Strong | $10.7B | 13.3% | 0.72% | vs |
| Schoolsfirst Federal Credit UnionCredit union Santa Ana, CA | 64 out of 100, Moderate | $37.2B | 9.5% | 0.91% | vs |
Deposit insurance
Is my money safe at The Golden 1 Credit Union?
Yes. The Golden 1 Credit Union is a federally insured credit union (NCUA charter #61650). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 6.9% of shares and deposits ($1.4B) are above the $250,000 NCUA insurance limit, below the peer median of 12%. Insured balances are protected regardless of the score.
The net worth ratio is 9.91%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
59 locations
Branches
The Golden 1 Credit Union lists 59 offices in 38 cities. Most locations:
- Sacramento, CA (14)
- Fresno, CA (4)
- Elk Grove, CA (3)
- Folsom, CA (2)
- Roseville, CA (2)
- Stockton, CA (2)
- Atascadero, CA (1)
- Auburn, CA (1)
- Bakersfield, CA (1)
- Carmichael, CA (1)
- Chico, CA (1)
- Citrus Heights, CA (1)
CFPB complaint database
Consumer complaints
Over the last three years, the CFPB forwarded 550 consumer complaints about GOLDEN 1 CREDIT UNION, THE to the company (257 in the last 12 months). 100.0% received a timely response. That is 27.7 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.
Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.
Identity & history
Profile
- Legal name
- The Golden 1 Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 61650
- RSSD ID
- 959395
- Primary regulator
- State + NCUA
- Established
- 1933
- Headquarters
- P.O. Box 15966, Sacramento, CA 95852
- Employees
- 2,485
Quick answers
The Golden 1 Credit Union: common questions
Is The Golden 1 Credit Union NCUA insured?
Yes. The Golden 1 Credit Union is a federally insured credit union (NCUA charter #61650). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is The Golden 1 Credit Union's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does The Golden 1 Credit Union have?
59 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Sacramento
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sacramento Credit UnionCredit union Sacramento, CA | 96 out of 100, Very strong | $858.3M | 15.1% | 0.09% | vs |
| Bank of StocktonBank Stockton, CA | 94 out of 100, Very strong | $5.0B | 19.9% | 0.08% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| SoFi Bank, National AssociationBank Cottonwood Heights, UT | 88 out of 100, Very strong | $56.8B | 13.3% | 0.08% | vs |
| El Dorado Savings Bank, F.S.B.Bank Placerville, CA | 84 out of 100, Strong | $2.4B | 13.4% | 0.28% | vs |
| Beal Bank USABank Las Vegas, NV | 80 out of 100, Strong | $11.0B | 21.9% | 0.78% | vs |