The Golden 1
Sacramento, CA · Charter 61650 · Peer group: credit unions any (n=25)
NCUA · 64 branches
Q2 2026
$22.2BAssets
$16.4BLoans
$19.9BShares
$2.2BNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 68% of credit unions any (rank 9 of 25).
- Widest gap: return on assets trails 84% of credit unions any (rank 21 of 25).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.52%
Rank 21 of 25
Net Interest Margin
3.13%
Rank 13 of 25
Efficiency Ratio
67.42%
Rank 18 of 25
Equity / Assets
9.91%
Rank 16 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.54% | 0.87% | 1.36% | Beats 16% | 21 / 25 | |
| Return on Equity | 5.22% | 5.49% | 9.20% | 10.99% | Beats 20% | 20 / 25 | |
| Net Interest Margin | 3.13% | 2.86% | 3.13% | 3.50% | Beats 48% | 13 / 25 | |
| Efficiency Ratio | 67.42% | 54.62% | 61.07% | 70.28% | Beats 32% | 18 / 25 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.64% | 0.92% | 1.30% | Beats 68% | 9 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.91% | 9.55% | 10.72% | 11.84% | Beats 36% | 16 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.91% | 9.55% | 10.72% | 11.84% | Beats 36% | 16 / 25 | |
| Liquidity & Funding |
| Loans / Deposits | 82.48% | 81.23% | 88.75% | 93.33% | 32nd pctl | 17 / 25 | |
| Loans / Assets | 74.04% | 68.82% | 78.26% | 79.51% | 36th pctl | 16 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |