# THE GOLDEN 1
SACRAMENTO, CA · NCUA charter 61650 · asset band >$10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-golden-1-61650

Who the members are: state charter, organized 1933, low-income designated, minority depository institution. 1,195,395 members of 39,500,000 potential (3.0% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $21.74B |
| Members | 1,195,395 (3.5% YoY) |
| Full-time staff | 2328 |
| Net worth | $2.16B |
| Net worth ratio | 9.9% (p42 of band) |
| ROA (annualized) | 0.45% (p21 of band) |
| Total delinquency | 0.69% (p33 of band) |
| Net charge-offs (annualized) | 0.89% (p58 of band) |
| Loans / shares | 83% (p42 of band) |
| Cash / assets | 10.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.17% (p54 of band) |
| Operating expense / assets | 2.55% (p58 of band) |
| Vehicles % of loans | 28% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 85% |
| Third-party paper % of net worth | 204% (p67 of band) |
| Vehicle delinquency | 1.09% (p71 of band) |
| Vehicle NCO | 1.52% (p62 of band) |
| Repossessed % of vehicle book | 0.10% (p54 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 76% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 31% |
| Average share balance | $7,515 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $408.2M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 74% |
| Average loan balance | $32,491 |
| Loans granted, annualized | $6.65B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $408.2M outstanding purchased (18.9% of net worth), $1.4M sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 6.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | margin squeeze |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | leaning on borrowings |  |
| 2023-06 | 3 | net worth falling |  |
| 2023-09 | 2 |  | net worth falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | assets shrinking | leaning on borrowings |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | assets shrinking |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-30 [Security guard stabbed at Golden 1 Credit Union in northeast Fresno, police say - ABC30 Fresno](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOTlNXSWVEbUkzanBRVEpobVFNQlR5bV9rRXVQUlNaVUVSaGlHbU1VRHQ3NnR1YzBSWUhjRU1aR0o0VDF6WVViN255LXdoUWNrazM1eFFaNGxUNXV0ek5fWHMwNzctbnk3ZzJVNGt4bFpSY0RyMHYxZThSbEJ5dXZwTk1nZGQ0R0IxZmZNQTBZTUhUNm11RDk4RGREV1FmOEJ5eVJHWlc3Q3DSAa4BQVVfeXFMTVF5SXc5RjBEczFWZEFvS3V6aUpJSGVnM0gxaHBXQ1djcjI0TWdURExza09iTXA4Z2ZWX1pjWEo2OExjeVRsak91UUZYZWVyWEhwOFRxQ3FaU1pZbWxJYlNweEM1WEtRY2wxYWJRZlFoajdKVWs1a3R1ak5kMDd4dU1IbHlZNUdZWHVWS05WanI3U2pRckJJRTM3TGlMT29CMEg4R2NIQm9LeF9ad05R?oc=5) · ABC30 Fresno
- 2026-06-04 [Golden 1 Credit Union Mortgage Review 2026 - NerdWallet](https://news.google.com/rss/articles/CBMigAFBVV95cUxPNXM4dE5HTHVQcHZGU201eWx0NnFvdXhBd1pZeWVxSWtWMHFGZUpVcURwVTZIMV9fTTZBVHQ3WlVNa0l3bGtzU3J3ZExXYXh4b1NGRFlqemJqYWZoOTVtazhiLXphR1podEVDbVJyVkJ5MkdxLVVKLXdlOXN1Wl94cQ?oc=5) · NerdWallet
- 2026-05-05 [The 10 Largest Credit Unions In The U.S. - Bankrate](https://news.google.com/rss/articles/CBMidEFVX3lxTFA4ZGZEYmpOV1llV1R3VDk5T1pYcURFb01HcEc0VTQ2RlFfajJfa1UtMi1HRGN6ZDFsaXUzcEVsaDlKZDE5NW9YTkgyWU82V3lWT25sYi1SOXlNSWhlT0p0N1JLbzFKaWJRc2N5dHozMndDbVI0?oc=5) · Bankrate
- 2026-03-30 [Security guard stabbed breaking up mother-son dispute at Fresno bank - kmph.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPTDQxTFBTZFQ5T3RBWWlJZzZJZV93NzFneHdjaWpWWm4xd21vNWNseW81WWpKbnhpR1lnMzRHbVdVczBRbnFkb2NVUGc1bzhhaDZWN2x4Yl96bGZKbkFaYkVCT3owX2RSR1JJRzBCakV5b1djN0tBQzlvRThjTnFIRUtlME1vYUpIZWtlU3JXa0dsSUJOS2YydmFjZU8?oc=5) · kmph.com
- 2026-02-20 [Crews Disguised as Construction Workers Rob Millions From CU, Bank ATMs - CUTimes](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNS1JaRTRMX3V0UkVMQnBsVjdqY2hDUUhWXzZHanZnRWFmV1gweV9rNmFJZjIzaF93dmFMRHBfQUg2c3k2RFFrSHBqLXQxZlhPcXRlX0t3blF2QjdPR0ppUXBWRU1LTFJ6TXQyZXVLX2xNdWx2RzlYWGFMd0VWdUIxT201NHJYVlZrbTZEQklkVGtFV2lXMnhJZ2NOVGdtNmgyZnZvMTUyM3NFdw?oc=5) · CUTimes
- 2025-12-17 [2026 Golden 1 Scholarship Is Open for Applications - TUN - The University Network](https://news.google.com/rss/articles/CBMiggFBVV95cUxPY0tFVzljWnJyVlVXWjJIeExDNXduNVJ4cno5MUJFZURMM0QtUnNSaHpiNHhDVUVtOHB1QzhwMGpDRjFzaWE4SmVEbG94VWRZRW5LREVQZldQWlgyQjNZbmpEOVd3WVg1Yy1fcjB4cjZJUDBoZmV2cFBlM0RheXBFV0hn?oc=5) · TUN - The University Network
- 2021-10-26 [Golden 1 Credit Union customers facing login issues after attempted weekend upgrade - Sacramento Bee](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5SVXdHaV9RUmlWLUVOeHFSaTJXdEJPZjNfUlE4Wk1QZEpoeVZZUDlQMDYxb3g1akF5VERoems1VG5lanhnTmhTVTJhYzVIMUtaQ2hRaVpaMTNNYm5qQVJvSjhGVm9vQdIBZkFVX3lxTE00dzZlVkRJMktoQXBWRjh0LVdKY0tqOXJ4UDl3VDFmLWh3WkRmZG1lMzVHOW9MQTljRUdkSlZQczI4b0tKY0pRVXRmRzh0eEtQaU5ESWx0X0tTNHhWckI4eWs5OElOQQ?oc=5) · Sacramento Bee
- 2022-01-06 [Golden 1 Credit Union temporarily closes San Luis Obispo branch Wednesday - KSBY News](https://news.google.com/rss/articles/CBMinwFBVV95cUxPRVZlaHVUOGhfZVh6X0NHZElXQnR0WGVFcnNuWkREZDZ2UnBlYlRsUXNyU0J1d3BBcEE5V2d0RHZMaEc2N1EzVVRpQThFN3l2OFdXM1NUQTF1bHZLb1hYS01mR1JaNjVqT0N3T0RUQ3VraXd5dTBReEdhazdpbmt1bHIxSzFrU3pVRG84STV5VU9peDc2YUVmaU1Ha0lvbTg?oc=5) · KSBY News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61650 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/18.json (key "61650", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61650
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide