The Golden 1
The Golden 1 is a credit union based in Sacramento, California, established in 1933, with $21.7 billion in total assets serving 1,195,395 members. By Trust Grade it ranks 217th of 241 credit unions we track in California. Its net worth ratio of 9.9% trails most similarly sized credit unions (39th percentile), versus a California median of 11.1%. It was profitable over the most recent period, with a 0.45% return on assets. Consumers filed 537 complaints about GOLDEN 1 CREDIT UNION, THE with the CFPB — 24.7 per $1B in assets, a higher rate than 56% of peers.
How The Golden 1 compares to California peers
How we graded The Golden 1
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.9% capital ratio)
- Profitable (ROA 0.45%)
- 24.7 complaints per $1B in assets
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
537 complaints filed with the CFPB against GOLDEN 1 CREDIT UNION, THE — 24.7 per $1B in assets.
These records were matched to The Golden 1 by name and may include complaints filed against other institutions with similar names. Complaint counts reflect what consumers reported to the CFPB and are not findings of wrongdoing. Report a mismatch →
Are deposits at The Golden 1 insured?
Yes. The Golden 1 is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Golden 1: frequently asked questions
Is The Golden 1 a good credit union?
The Golden 1 earns a Bankzia Trust Grade of C (76/100, "Average"), based on a financial-strength score of 86/100 and a customer-experience score of 44.02141527001862/100. Well-capitalized (9.9% capital ratio); Profitable (ROA 0.45%).
Is The Golden 1 NCUA-insured?
Yes. The Golden 1 is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is The Golden 1?
The Golden 1 holds $21.7 billion in total assets, ranking 217th of 241 credit unions we track in California. It serves 1,195,395 members.
How many complaints does The Golden 1 have?
Consumers filed 537 complaints about GOLDEN 1 CREDIT UNION, THE with the CFPB, or 24.7 per $1B in assets. 99% were answered on time. 3% closed with relief to the consumer.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
