The Golden 1 Credit Union
Only null% goes to programs Strong reserves Growing revenue
The Golden 1 Credit Union is a 501(c)(14) organization based in Sacramento, California, registered in 2017, with $989,745,273 in FY2024 revenue. CharityIndex grades it A.
8945 Cal Center Dr, Sacramento, CA, 95826 EIN 94-0362025 Since 2017
Revenue (FY2024)
$989.7M
▲ 10.2% vs prior year
Public Benefit median: $140K
Expenses (FY2024)
$883.8M
Net assets
$1.7B
Employees
2,592
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
A
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for The Golden 1 Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating23 mo reserves · +11% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For The Golden 1 Credit Union: 23 mo reserves · +11% margin earns a A on this criterion. See the exact thresholds →
A+Governance25% of the rating6 of 6 checks met
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. For The Golden 1 Credit Union: 6 of 6 checks met earns a A+ on this criterion. See the exact thresholds →
ATransparency10% of the rating4 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For The Golden 1 Credit Union: 4 of 5 disclosure signals earns a A on this criterion. See the exact thresholds →
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Mission
The golden 1 credit union delivers exceptional financial services and support to empower our members and communities.
What they do
Golden 1 offers an array of competitive loan options to our membership, including new and used auto, first mortgage, home equity, credit card, personal and commercial real estate loans. golden 1 strives to maintain competitive pricing and a variety of loan products that meet our member's borrowing needs. members can apply for loans in a branch, online, or at an auto dealership.
Golden 1 offers our members an array of insurance and investment-related products such as credit life/credit disability, mechanical breakdown insurance, guaranteed asset protection andfinancial consulting.
Contact & location
- Address
- 8945 Cal Center Dr, Sacramento, CA, 95826
- City
- Sacramento
- State
- California
- Category
- Public & Societal Benefit
- Subcategory
- Financial Institutions
- Phone
- …
- Website
- …
Financial trends
Revenue grew from $320.6M (FY2013) to $989.7M (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $17.9BNet assets $1.7B
Operating margin
10.7%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$19.6B
Total liabilities
$17.9B
Net assets
$1.7B
Salaries & benefits
$236.6M
27% of expenses
Board members
9
9 independent
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $989,745,273▲10.2% | $883,825,244▲16.6% | $1,689,131,240▲10.0% | $19,609,426,722▼7.2% | 990 |
| 2023 | $898,080,110▲42.8% | $757,767,852▲50.2% | $1,535,567,674▲13.5% | $21,129,803,548▲14.3% | 990 |
| 2022 | $628,951,060▲19.7% | $504,386,598▲27.9% | $1,353,248,451▼19.5% | $18,481,868,090▲0.8% | 990 |
| 2021 | $525,382,897▼0.7% | $394,456,753▼14.5% | $1,681,883,315▲2.8% | $18,331,687,285▲12.4% | 990 |
| 2020 | $529,017,023▼0.6% | $461,241,215▲6.3% | $1,635,784,716▲7.8% | $16,310,412,697▲25.5% | 990 |
| 2019 | $532,330,203▲10.1% | $433,809,978▲11.2% | $1,517,297,218▲8.9% | $12,993,881,498▲6.0% | 990 |
| 2018 | $483,456,225▲6.6% | $390,041,755▲6.6% | $1,393,077,760▲7.2% | $12,255,270,007▲6.7% | 990 |
| 2017 | $453,561,854▲13.6% | $365,805,877▲18.2% | $1,299,141,622▲6.3% | $11,486,760,824▲8.2% | 990 |
| 2016 | $399,157,203▲16.1% | $309,442,510▲12.8% | $1,221,720,211▲7.7% | $10,617,388,977▲9.7% | 990 |
| 2015 | $343,950,247▲10.6% | $274,300,870▲17.7% | $1,134,587,818▲6.0% | $9,676,953,370▲10.0% | 990 |
| 2014 | $310,866,221▼3.0% | $233,001,993▲9.1% | $1,070,371,700▲8.6% | $8,800,995,877▲7.4% | 990 |
| 2013 | $320,581,175 | $213,510,433▼14.8% | $985,884,874▲5.5% | $8,198,004,584▲3.0% | 990 |
| 2012 | — | $250,605,264▼10.2% | $934,575,547▲10.8% | $7,963,005,682▲6.0% | 990 |
| 2011 | — | $279,122,545▼3.4% | $843,390,875▲13.1% | $7,508,945,792▼3.1% | 990 |
| 2010 | — | $288,911,016 | $745,809,049 | $7,748,674,102 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Leadership & compensation (FY2024)
Highest-paid: Donna Bland — $1,780,029 (0.20% of total expenses)
| Name | Title | Hours/week | Compensation |
|---|---|---|---|
| Donna Bland | President and Ceo | 60 | $1,780,029 |
| Jeffrey Rogers | Sr Commercial Loan Officer | 50 | $1,098,202 |
| Michael I Huntley | Director - Business Services | 50 | $915,499 |
| Dustin Luton | Sevp - Senior Executive Vice President | 60 | $761,297 |
| Nirmalya Modak | Home Loan Advisor - External | 50 | $607,384 |
| Allyson Hill | Evp - Chief Financial Officer | 60 | $589,256 |
| John M Fischer | Evp - Chief Retail Officer | 60 | $570,021 |
| Quoc K Do | Home Loan Advisor - External | 50 | $555,136 |
| Donald Hamilton | Evp - Chief Lending Officer | 60 | $512,836 |
| Chad Carrington | Svp - Chief Information Officer | 60 | $494,905 |
| Courtney Linn | Evp - Head of Legal Risk and Compliance | 60 | $484,682 |
| Heather Andrade-neumann | Evp - Chief People Officer | 60 | $459,359 |
| Evgeniy Tkachuk | Evp - Chief Digital Officer | 60 | $441,844 |
| Harriet Chang-rossi | Mgr - External Hl Production | 50 | $418,415 |
| Kyle Long | Svp - Corporate Strategy | 60 | $357,426 |
| Michael R Daum | Svp - Chief Marketing Officer | 60 | $356,902 |
| Ryan Kelly | Svp - Chief Audit Executive | 60 | $324,810 |
| Walter Anasovitch | Svp - Risk Operations | 60 | $311,980 |
| William Poppen Jr | Svp - Product Analytics and Risk | 60 | $306,020 |
| Erica Taylor | Svp - Community Impact and Public Relations Office | 60 | $286,217 |
Top vendors & contractors (FY2024)
| Contractor | Services | Paid |
|---|---|---|
| Sacramento Kings LP | Advertising | $5,000,000 |
| Beacon Hill Solution Group LLC | Workforce Solutions | $2,910,521 |
| Allied Universal Security Srvcs | Security Services | $1,425,869 |
| Acquis Cortico-x LLC | Consulting | $742,006 |
| Early Warning Services LLC | Financial Risk Management | $625,307 |
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Compare The Golden 1 Credit Union
Frequently asked questions
- Is The Golden 1 Credit Union a legitimate nonprofit?
- Yes. The Golden 1 Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 94-0362025, based in Sacramento, California.
- What is The Golden 1 Credit Union's EIN?
- The Golden 1 Credit Union's Employer Identification Number (EIN) is 94-0362025.
- How much revenue does The Golden 1 Credit Union report?
- The Golden 1 Credit Union reported $989,745,273 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does The Golden 1 Credit Union have?
- CharityIndex grades The Golden 1 Credit Union A, based on financial health (reserves and operating margin).
- How much does The Golden 1 Credit Union's highest-paid employee make?
- The highest reported compensation on The Golden 1 Credit Union's latest Form 990 is $1,780,029, paid to Donna Bland (President and Ceo).
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Data for The Golden 1 Credit Union (EIN 94-0362025) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.