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The Lender Report built this page from public records. The Golden 1 Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about The Golden 1 Credit Union itself. Each figure shows its source and date. Work at The Golden 1 Credit Union? You can claim this page for free.
Credit union, Sacramento, CA
The Golden 1 Credit Union
A credit union based in Sacramento, CA. Its commercial book is led by non-owner-occupied CRE and multifamily. Public files show recent multifamily, 1-4 unit investor and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $1.66B
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 56
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $22.2B
- NCUA 5300,
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How to reach them
Each line shows where it came from
- Phone
- 916-732-2900 From the NCUA record, June 30, 2026.
- Website
- www.golden1.comFrom the NCUA record, November 9, 2026.
- Names it files under
- THE GOLDEN 1; Golden 1 Credit Union; Golden 1; G1NCUA 5300,
- Address
- P.o. Box 15966, Sacramento, CA 95852NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. The Golden 1 Credit Union originated 114 multifamily loans in 2025, versus 50 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 46.0% to $963.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Multifamily balance rose 40.6% to $639.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Santa Barbara County, CA | Refinance, 25 to 49 units | $15M | 6.11% | 10 yr | 45% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Cash-out refinance, 100 to 149 units | $9.6M | 5.62% | 10 yr | 50% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Refinance, 25 to 49 units | $5.9M | 5.56% | 10 yr | 60% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Refinance, 5 to 24 units | $5.5M | 5.27% | 10 yr | 58% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Cash-out refinance, 5 to 24 units | $5.5M | 5.57% | 10 yr | 60% | HMDA 2025 |
| 2025 | Marin County, CA | Purchase, 5 to 24 units | $5.4M | 5.49% | 10 yr | 42% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Purchase, 5 to 24 units | $5.4M | 5.86% | 10 yr | 64% | HMDA 2025 |
| 2025 | San Diego County, CA | Cash-out refinance, 25 to 49 units | $5.2M | 5.6% | 15 yr | 57% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Refinance, 25 to 49 units | $5.1M | 5.56% | 10 yr | 56% | HMDA 2025 |
| 2025 | San Diego County, CA | Cash-out refinance, 25 to 49 units | $5M | 6.15% | 10 yr | 50% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Refinance, 5 to 24 units | $5M | 5.63% | 10 yr | 63% | HMDA 2025 |
| 2025 | Merced County, CA | Purchase, 50 to 99 units | $5M | 5.43% | 10 yr | 60% | HMDA 2025 |
| 2025 | San Diego County, CA | Cash-out refinance, 25 to 49 units | $4.9M | 5.82% | 10 yr | 49% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Cash-out refinance, 5 to 24 units | $4.8M | 5.76% | 10 yr | 63% | HMDA 2025 |
| 2025 | Alameda County, CA | Refinance, 5 to 24 units | $4.3M | 5.46% | 10 yr | 47% | HMDA 2025 |
| 2025 | San Diego County, CA | Purchase, 5 to 24 units | $4.3M | 5.68% | 15 yr | 46% | HMDA 2025 |
| 2025 | Orange County, CA | Purchase, 5 to 24 units | $4.2M | 6.27% | 15 yr | 48% | HMDA 2025 |
| 2025 | Orange County, CA | Refinance, 5 to 24 units | $3.8M | 5.43% | 10 yr | 56% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Cash-out refinance, 25 to 49 units | $3.8M | 5.52% | 9 yr | 51% | HMDA 2025 |
| 2025 | Kings County, CA | Cash-out refinance, 25 to 49 units | $3.7M | 5.42% | 10 yr | 54% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Cash-out refinance, 5 to 24 units | $3.7M | 5.81% | 10 yr | 60% | HMDA 2025 |
| 2025 | Monterey County, CA | Refinance, 5 to 24 units | $3.7M | 6.06% | 10 yr | 60% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Cash-out refinance, 25 to 49 units | $3.5M | 5.87% | 10 yr | 50% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Refinance, 25 to 49 units | $3.4M | 5.56% | 10 yr | 60% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Cash-out refinance, 5 to 24 units | $3.4M | 5.42% | 10 yr | 57% | HMDA 2025 |
| 114 multifamily loans made in 2025 | $305M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $640M | 3.9% | +40.6% | 216 | $2.96M |
| Construction and land development | $0 | 0.0% | Not reported | 0 | Not reported |
| Owner-occupied CRE | $55.2M | 0.3% | -2.0% | 12 | $4.60M |
| Non-owner-occupied CRE | $963M | 5.9% | +46.0% | 215 | $4.48M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $0 | 0.0% | Not reported | 0 | Not reported |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $1.66B |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $220M |
| Q4 2023 | $303M |
| Q1 2024 | $404M |
| Q2 2024 | $549M |
| Q3 2024 | $666M |
| Q4 2024 | $817M |
| Q1 2025 | $977M |
| Q2 2025 | $1.17B |
| Q3 2025 | $1.37B |
| Q4 2025 | $1.60B |
| Q1 2026 | $1.65B |
| Q2 2026 | $1.66B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 114 | $305M | $2.33M | $15M | HMDA, |
| Multifamily, 5 or more units | 2024 | 50 | $178M | $2.61M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 178 | $42.4M | $175K | HMDA, | |
| Real-estate-secured commercial | First half of 2026 | 56 | $139M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 28 | $60.7M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 28 | $78.5M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
| Book | Average loan |
|---|---|
| Multifamily | $2.96M |
| Owner-occupied CRE | $4.60M |
| Non-owner-occupied CRE | $4.48M |
Programs on record: Federal Home Loan Bank member, San Francisco district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| California HQ | 64 | 114 | 178 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Los Angeles County, CA | 87 | $250M |
| San Diego County, CA | 21 | $64.3M |
| Orange County, CA | 10 | $27.5M |
| Alameda County, CA | 8 | $19.6M |
| San Francisco County, CA | 7 | $10.8M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 87 | $250M |
| San Diego-Chula Vista-Carlsbad, CA | 21 | $64.3M |
| Oakland-Fremont-Berkeley, CA | 10 | $29.2M |
| Anaheim-Santa Ana-Irvine, CA | 10 | $27.5M |
| San Francisco-San Mateo-Redwood City, CA | 8 | $12.8M |
| Riverside-San Bernardino-Ontario, CA | 5 | $19.6M |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $2.71B | $717M to $4.56B across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $1.62B | $100K to $3.04B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 59.8% | 0.0% to 89.0% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $329M | $91.7M to $531M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 73.1% | 7.8% to 101.4% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 74.0% | 53.9% to 80.1% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Of 164 multifamily loans with a known channel in 2024 to 2025, 159 (97.0%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| First Technology Credit Union | CA | $27.9B | $2.99B |
| Schoolsfirst Credit Union | CA | $37.2B | $278M |
| Patelco Credit Union | CA | $9.77B | $231M |
| San Diego County Credit Union | CA | $9.55B | $398M |
| Logix Credit Union | CA | $9.69B | $833M |
| Travis Credit Union | CA | $5.85B | $350M |
| Alliant Credit Union | IL | $20.0B | $1.92B |
| Mission Credit Union | CA | $7.29B | $853M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
- Combines this filer's call report with HMDA or SBA figures reported under another name or LEI of the same institution.
Check this page
Against the regulator's own record
- Name and charter. The Golden 1 Credit Union, NCUA charter 61650. Compare it with the regulator's record. [NCUA profile]
- Balances. $22.2B in total assets and $1.66B in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 56 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 342 loans in the HMDA file, in 2024 and 2025: 114 HMDA multifamily 2025, 50 HMDA multifamily 2024, 178 HMDA 1-4 unit investor 2025. [How each file was tied to The Golden 1 Credit Union]
- Phone and website. Phone 916-732-2900, from the NCUA record. Website golden1.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 61650
- RSSD
- 959395
- LEI
- 549300ZJIC4LOLZH0M42
- The Lender Report ID
- lr_000110
- Main office county
- Sacramento
- Members
- 1,221,208
- NCUA region
- 8 - ONES
NCUA credit union details,
- Reported $22.2B in total assets as of June 30, 2026 (NCUA 5300).
- Held $1.7B of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $963.5M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 46.0% from a year earlier (NCUA 5300).
- Held $639.9M of multifamily loans as of June 30, 2026, up 40.6% from a year earlier (NCUA 5300).
- Held $55.2M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Originated 114 multifamily loans totaling $305.5M in 2025 (HMDA).
5 more sentences
- Originated 50 multifamily loans totaling $178.2M in 2024 (HMDA).
- Originated 178 1-4 unit investor or business-purpose loans totaling $42.4M in 2025 (HMDA).
- Originated 56 real-estate-secured commercial loans totaling $139.2M in the first half of 2026 (NCUA 5300).
- Held $41.9M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 64 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, The Golden 1 Credit Union, https://lender.report/lender/golden-1-credit-union-ca/, data as of June 30, 2026.
Sources
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem