THE GOLDEN 1

Charter #61650 | CA

10B+ (21 CUs) Titans (21 CUs)
3 10B+ in CA

THE GOLDEN 1 has 3 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 6.2% in tier
  • + Wallet Share Momentum: Top 9.4% in tier
  • + Organic Growth Engine: Top 27.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 16.0% in tier
  • - Growth-at-Risk: Bottom 26.8% in tier
  • - Credit Quality Pressure: Bottom 27.5% in tier
  • - ROA 0.21% below tier average
  • - Efficiency ratio 0.97% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 1,170,482
+3.4% YoY+1.6% QoQ
 -651.9K 1,822,416
+4.1% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 48th in tier
Assets $21.1B
+7.7% YoY+2.4% QoQ
 $-7.6B $28.7B
+4.2% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 62nd in tier
Loans $15.5B
+8.9% YoY+2.9% QoQ
 $-5.6B $21.1B
+5.8% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 57th in tier
Deposits $18.9B
+10.7% YoY+2.3% QoQ
 $-5.5B $24.4B
+7.2% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 62nd in tier
ROA 0.6%
-1.8% YoY+2.8% QoQ
 -0.2% 0.8%
+17.7% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 33rd in tier
NIM 3.0%
+1.8% YoY+0.7% QoQ
 -0.2% 3.1%
+10.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 48th in tier
Efficiency Ratio 65.3%
-2.7% YoY-0.8% QoQ
 +1.0% 64.3%
-4.3% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 57th in tier
Delinquency Rate 0.7%
+2.2% YoY+4.4% QoQ
 -0.4 1.2%
+9.7% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 19.0% in tier
Loan To Share 81.9%
-1.6% YoY+0.6% QoQ
 -7.9% 89.8%
-0.3% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 23.8% in tier
AMR $29,438
+6.3% YoY+1.0% QoQ
 $-2K $31,184
+7.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 43rd in tier
CD Concentration 32.1%
+20.2% YoY+4.4% QoQ
 +0.2% 31.9%
+2.0% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 43rd in tier
Indirect Auto % 26.9%
-16.1% YoY-5.5% QoQ
 +12.7% 14.2%
-8.9% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 71st in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#3 of 14 • Top 6.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.29%
(Tier: 2.80%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.7K
(Tier: $2.9K, National: $2.0K)
better than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY | New qualifier

Wallet Share Momentum

growth
#4 of 14 • Top 9.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.29%
(Tier: 2.80%, National: 4.19%)
better than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY | New qualifier

Organic Growth Engine

growth
#16 of 18 • Top 27.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.36%
(Tier: 3.59%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.55%
(Tier: 0.76%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 26.94%
(Tier: 14.25%, National: 7.90%)
but worse than tier avg
18 of 21 Titans CUs have this signature | 917 nationally
→ Stable (18→18 CUs)

Concerns (3)

Indirect Auto Dependency

risk
#5 of 8 • Bottom 16.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.67%
(Tier: 4.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 26.94%
(Tier: 14.25%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.36%
(Tier: 3.59%, National: 9.37%)
worse than tier avg
8 of 21 Titans CUs have this signature | 768 nationally
→ Stable (8→8 CUs)

Growth-at-Risk

risk
#12 of 14 • Bottom 26.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 8.89%
(Tier: 6.37%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.10% points, National: 0.07% points)
but better than tier avg
14 of 21 Titans CUs have this signature | 646 nationally
→ Stable (13→14 CUs) +1 CUs YoY

Credit Quality Pressure

risk
#15 of 15 • Bottom 27.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.10% points, National: 0.07% points)
but better than tier avg
15 of 21 Titans CUs have this signature | 1002 nationally
↓ Shrinking -6 CUs YoY

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 21 peers in tier

Top Strengths (4 metrics)

4
Deposit Growth Rate
growth
Value: 10.66%
Peer Avg: 6.48%
#4 of 21 Top 14.3% in 10B+ tier
4
AMR Growth Rate
growth
Value: 6.29%
Peer Avg: 2.80%
#4 of 21 Top 14.3% in 10B+ tier
5
Total Delinquency Rate (60+ days)
risk
Value: 0.75%
Peer Avg: 1.18%
#5 of 21 Top 19.0% in 10B+ tier
6
Asset Growth Rate
growth
Value: 7.67%
Peer Avg: 4.36%
#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (2 metrics)

19
Fee Income Per Member
profitability
Value: $91.88
Peer Avg: $171.28
#19 of 21 Bottom 14.3% in 10B+ tier
17
First Mortgage Concentration (%)
balance_sheet
Value: 46.27%
Peer Avg: 41.28%
#17 of 21 Bottom 23.8% in 10B+ tier