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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: March 31, 2021.
Charter Number: 61650

ASSETS$ Amount
CASH:  
 1. Cash on Hand 660,598,796
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 1,564,351,324
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 300,000,000
INVESTMENTS:  
 4. Equity Securities 50,266,241
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 5,032,791,698
 7. Held-to-Maturity Debt Securities 409,750,402
 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 5,510,058,341
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 3,398,183
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 9,001,653,307
 17. Less: Allowance for Loan & Lease Losses 109,472,166
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 1,449,462
 20. Land and Building 39,140,673
 21. Other Fixed Assets 44,425,855
 22. NCUA Share Insurance Capitalization Deposit 125,446,433
 23. Intangible Assets 2,367,275
 24. Other Assets 94,426,237
25. TOTAL ASSETS 17,237,843,720
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 3,746,020
 9. Accounts Payable and Other Liabilities 180,484,813
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 1,048,650,311
 12. Regular Shares 7,192,261,927
 13. Money Market Shares 4,803,283,961
 14. Share Certificates 1,665,221,192
 15. IRA/KEOGH Accounts 566,419,024
 16. All Other Shares 0
 17. TOTAL SHARES 15,275,836,415
 18. Nonmember Deposits 150,000,000
 19. TOTAL SHARES AND DEPOSITS 15,425,836,415
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) 1,004,674,990
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 200,418,168
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 1,062,150
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 2,333,090
EQUITY:  
 33. Undivided Earnings 1,500,895,371
 34. Regular Reserves 78,110,584
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 262,932
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 21,604,755
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 26,902,830
44. TOTAL LIABILITIES, SHARES, AND EQUITY 17,237,843,720
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 85,990,977
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 14,449,115
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 100,440,092
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 11,600,591
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 58,250
 8. Interest on Borrowed Money 0
 9. TOTAL INTEREST EXPENSE 11,658,841
 10. Provision for Loan & Lease Losses 5,170,213
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 83,611,038
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 9,474,576
 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 -356,472
 18. Gain (Loss) on Disposition of Fixed Assets 2,470
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 29,476,647
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 46,829,537
 23. Travel and Conference Expense 207,906
 24. Office Occupancy Expense 5,847,671
 25. Office Operations Expense 22,165,980
 26. Educational and Promotional Expenses 3,462,590
 27. Loan Servicing Expense 1,662,783
 28. Professional and Outside Services 4,484,784
 29. Total Member Insurance 25,990
 30. Operating Fees (Examination and/or supervision fees) 194,347
 31. Miscellaneous Operating Expenses 1,303,267
 32. TOTAL NON-INTEREST EXPENSE 86,184,855
33. NET INCOME (LOSS) 26,902,830
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 Loans7.79157,829$391,107,387
 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 loans8.4951,768$281,894,203
 5. New Vehicle Loans3.5490,742$2,105,156,577
 6. Used Vehicle Loans3.29124,900$1,982,443,966
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.901,813$30,737,648
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.7515,672$3,955,412,945
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property45,734$254,900,581
 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 & LEASES448,458$9,001,653,307
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date188,754$1,450,561,552
  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 Staff62$4,347,146
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