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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: September 30, 2021.
Charter Number: 61650

ASSETS$ Amount
CASH:  
 1. Cash on Hand 807,283,086
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 1,478,007,365
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 50,212,993
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 5,624,080,748
 7. Held-to-Maturity Debt Securities 490,087,317
 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 6,181,631,058
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 8,592,423
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 9,420,916,175
 17. Less: Allowance for Loan & Lease Losses 85,656,314
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 767,956
 20. Land and Building 39,602,542
 21. Other Fixed Assets 44,826,902
 22. NCUA Share Insurance Capitalization Deposit 137,624,639
 23. Intangible Assets 2,051,633
 24. Other Assets 94,047,063
25. TOTAL ASSETS 18,129,694,528
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 2,706,364
 9. Accounts Payable and Other Liabilities 184,046,531
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 4,042,577,323
 12. Regular Shares 4,721,427,892
 13. Money Market Shares 5,224,985,998
 14. Share Certificates 1,540,593,132
 15. IRA/KEOGH Accounts 562,523,161
 16. All Other Shares 0
 17. TOTAL SHARES 16,092,107,506
 18. Nonmember Deposits 150,000,000
 19. TOTAL SHARES AND DEPOSITS 16,242,107,506
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) 964,990,158
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 202,842,958
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 2,298,612
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 2,097,513
EQUITY:  
 33. Undivided Earnings 1,579,005,955
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 262,932
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 12,297,107
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 109,268,133
44. TOTAL LIABILITIES, SHARES, AND EQUITY 18,129,694,528
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 255,973,304
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 46,092,554
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 302,065,858
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 30,109,913
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 140,125
 8. Interest on Borrowed Money 873,973
 9. TOTAL INTEREST EXPENSE 31,124,011
 10. Provision for Loan & Lease Losses -9,265,724
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 280,207,571
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 33,203,099
 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 -673,034
 18. Gain (Loss) on Disposition of Fixed Assets -19,887
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) -43,890
 21. TOTAL NON-INTEREST INCOME 92,270,997
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 137,963,150
 23. Travel and Conference Expense 1,021,463
 24. Office Occupancy Expense 18,135,816
 25. Office Operations Expense 69,457,512
 26. Educational and Promotional Expenses 10,721,413
 27. Loan Servicing Expense 5,036,592
 28. Professional and Outside Services 13,844,895
 29. Total Member Insurance 79,362
 30. Operating Fees (Examination and/or supervision fees) 608,673
 31. Miscellaneous Operating Expenses 6,341,559
 32. TOTAL NON-INTEREST EXPENSE 263,210,435
33. NET INCOME (LOSS) 109,268,133
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 Loans7.79162,446$407,873,022
 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 loans8.4951,795$294,470,974
 5. New Vehicle Loans3.5484,818$1,997,057,989
 6. Used Vehicle Loans3.29123,573$2,043,379,350
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.992,741$71,692,262
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.7515,631$4,367,183,495
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property45,107$239,259,083
 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 & LEASES446,111$9,420,916,175
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date271,182$4,720,251,388
  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 Staff68$4,374,220
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