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National Credit Union Service Organization

GOLDEN 1 CREDIT UNION
— Statement of Financial Condition

Then NCUA provides quarterly Call Reports using accounting and statistical information from each credit union. The Call Report includes Balance Sheet, Income Statement and more.

Statement of financial condition for GOLDEN 1 CREDIT UNION as of: December 31, 2021.
Charter Number: 61650

ASSETS$ Amount
CASH:  
 1. Cash on Hand 673,947,515
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 1,509,826,442
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 50,106,496
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 5,787,666,148
 7. Held-to-Maturity Debt Securities 617,293,310
 8. Deposits in commercial banks, S&Ls, savings banks 0
 9. Loans to and investments in natural person credit unions 0
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 0
 12. All other investments in corporate credit unions 0
 13. All other investments 17,250,000
 14. TOTAL INVESTMENTS 6,472,315,954
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 3,782,031
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 9,424,776,576
 17. Less: Allowance for Loan & Lease Losses 80,537,470
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 863,830
 20. Land and Building 39,880,321
 21. Other Fixed Assets 42,553,369
 22. NCUA Share Insurance Capitalization Deposit 149,149,298
 23. Intangible Assets 1,893,812
 24. Other Assets 93,235,607
25. TOTAL ASSETS 18,331,687,285
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 0
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 0
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 2,769,767
 9. Accounts Payable and Other Liabilities 168,506,262
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 4,028,366,109
 12. Regular Shares 4,821,711,896
 13. Money Market Shares 5,375,228,592
 14. Share Certificates 1,543,534,357
 15. IRA/KEOGH Accounts 559,686,987
 16. All Other Shares 0
 17. TOTAL SHARES 16,328,527,941
 18. Nonmember Deposits 150,000,000
 19. TOTAL SHARES AND DEPOSITS 16,478,527,941
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 0
 22. Accounts Held by Nonmember Public Units 150,000,000
 23. Employee Benefit Member Shares 0
 24. Employee Benefit Nonmember Shares 0
 25. 529 Plan Member Deposits 0
 26. Non-dollar denominated deposits 0
 27. Health Savings Account 0
 28. Dollar Amount of Share Certificates equal to or greater than $100,000 (Excluding brokered share certificates participated out by the broker in shares of less than $100,000) 984,064,206
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 204,343,361
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 3,158,608
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 2,502,329
EQUITY:  
 33. Undivided Earnings 1,712,218,064
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 4,927,826
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -35,262,575
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 18,331,687,285
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 340,281,782
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 63,601,933
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 403,883,715
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 38,506,829
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 176,042
 8. Interest on Borrowed Money 1,804,431
 9. TOTAL INTEREST EXPENSE 40,487,302
 10. Provision for Loan & Lease Losses -8,965,207
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 372,361,620
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 46,117,570
 14. Other Operating Income (Includes unconsolidated CUSO Income and Gain (Loss) associated with the Hedged Item (NonInvestment Assets) in a Non-Trading, Fair Value (FV) Derivatives Hedge) 0
 15. Gain (Loss) on Equity Securities (DO NOT include Gain (Loss) on other securities) 0
 16. Gain (Loss) on Other Securities (DO NOT include Gain or Loss on Equity Securities) 0
 17. Gain (Loss) on Non-Trading Derivatives -585,105
 18. Gain (Loss) on Disposition of Fixed Assets -57,805
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) -43,890
 21. TOTAL NON-INTEREST INCOME 123,785,146
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 187,336,385
 23. Travel and Conference Expense 1,501,810
 24. Office Occupancy Expense 24,150,694
 25. Office Operations Expense 94,191,169
 26. Educational and Promotional Expenses 14,631,365
 27. Loan Servicing Expense 6,564,458
 28. Professional and Outside Services 18,780,721
 29. Total Member Insurance 106,646
 30. Operating Fees (Examination and/or supervision fees) 828,652
 31. Miscellaneous Operating Expenses 14,842,757
 32. TOTAL NON-INTEREST EXPENSE 362,934,657
33. NET INCOME (LOSS) 133,212,109
RESERVE TRANSFERS YEAR-TO-DATE FOR THE CYCLE  
 34. Transfer to Regular Reserves 0
Interest Rate# LoansAmount
Non-Commercial Loans/Lines of Credit
 1. Unsecured Credit Card Loans7.79164,733$433,479,277
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans8.4953,681$297,821,790
 5. New Vehicle Loans3.5480,671$1,881,065,784
 6. Used Vehicle Loans3.29121,204$2,016,005,511
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.992,997$85,717,078
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.8815,520$4,466,282,796
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property44,831$244,404,340
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured0.000$0
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES443,637$9,424,776,576
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date300,005$6,107,121,895
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date0$0
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff66$4,619,748
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration0$0$0
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)0$0-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0