Compared with California
4 of 14
compared fees are above the median.
9 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
23rd percentile; peer median 5.1%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 14 compared; 9 below, 1 about the same
See the feesFee schedule read Oct 8, 2026
Call-report figures are for The Golden 1 Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 22 credit unions with $10B to $50B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Golden 1 Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 8, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 2.8% of revenue, below the 5.1% median of 22 credit unions with $10B to $50B in assets (23rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $7.9M in Q2 2026, 3.1% below the same quarter a year earlier ($8.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 14 compared published fees sit above the California median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with California medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 11% from Q3 2025 to Q2 2026, to $7.9M. Its share of revenue, 2.8%, is below the 5.1% median for credit unions with $10B to $50B in assets.
$7.9M
The Golden 1 Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 22 credit unions with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
The Golden 1 Federal Credit Union · $22.2B in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The Golden 1 Federal Credit Union(this institution) | Sacramento, CA | $22.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alliant Federal Credit Union | Chicago, IL | $20B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America First Federal Credit Union | Riverdale, UT | $26B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Boeing Employees Federal Credit Union | Tukwila, WA | $29.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Desert Financial Federal Credit Union | Phoenix, AZ | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Digital Federal Credit Union | Marlborough, MA | $27.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Eastman Federal Credit Union | Kingsport, TN | $10.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Ent Federal Credit Union | Colorado Springs, CO | $19.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Esl Federal Credit Union | Rochester, NY | $10.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fourleaf Federal Credit Union | Bethpage, NY | $14.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Global Federal Credit Union | Anchorage, AK | $13B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Greenstate Federal Credit Union | North Liberty, IA | $10.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Idaho Central Federal Credit Union | Chubbuck, ID | $15.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lake Michigan Federal Credit Union | Grand Rapids, MI | $17.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Logix Federal Credit Union | Valencia, CA | $9.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Midflorida Federal Credit Union | Lakeland, FL | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Patelco Federal Credit Union | Dublin, CA | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pentagon Federal Credit Union | Mclean, VA | $29.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Randolph-Brooks Federal Credit Union | Universal City, TX | $19.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Redwood Credit Union | Santa Rosa, CA | $10.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Security Service Federal Credit Union | San Antonio, TX | $14.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Star One Federal Credit Union | Sunnyvale, CA | $9.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Suncoast Federal Credit Union | Tampa, FL | $20.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Teachers Federal Credit Union | Smithtown, NY | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Nations Federal Credit Union | Long Island City, NY | $10.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vystar Federal Credit Union | Jacksonville, FL | $14.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.95 among 13 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
The Golden 1 Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for The Golden 1 Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $7.9M | −$492K | −5.9% |
| Q1 2026 | $8.4M | −$422K | −4.8% |
| Q4 2025 | $8.8M | −$94K | −1.1% |
| Q3 2025 | $8.9M | +$753K | +9.2% |
| Q2 2025 | $8.1M | +$46K | +0.6% |
| Q1 2025 | $8.1M | +$202K | +2.6% |
| Q4 2024 | $7.9M | −$284K | −3.5% |
| Q3 2024 | $8.2M | +$571K | +7.5% |
Financial cohort: 23 credit unions with $10B to $50B in assets filing for Q2 2026; 22 reported a share above 0% and are counted, The Golden 1 Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Golden 1 Federal Credit Union by share.
Amounts from The Golden 1 Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Escheat Notice (audience not stated, treated as personal) | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation Research (audience not stated, treated as personal) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Courtesy Pay Fee (audience not stated, treated as personal) | $14Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection (from savings) (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM SERVICES: Withdrawals/Transfers | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Debit/Credit Card Expedited Replacement | $18Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks | $6Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| GENERAL SERVICES: Stop Payment Orders (new or renewal) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee for lost/stolen checks | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing Fee (non-member) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Item (Domestic) (sent or received) (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item (Foreign) (sent or received) (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Payment Service (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coinstar Coin Machine | 5% | Not stated | None |
Account Services | |||
| CHECKING ACCOUNTS: Levy or Garnishment 6 | $35Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Deposit (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 8, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The Golden 1 Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
64 offices in 1 state (June 30, 2026)
Each dot is one office.
3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Sacramento, CA | 15 |
| Fresno, CA | 4 |
| Elk Grove, CA | 3 |
| Folsom, CA | 2 |
| Roseville, CA | 2 |
| Stockton, CA | 2 |
| Atascadero, CA | 1 |
| Auburn, CA | 1 |
Largest competitors nearby
Local market: Sacramento county, CA, around its headquarters.
| 37 in its local market | Deposit share |
|---|---|
| U.S. Bank National Association | 51.1% |
| Wells Fargo Bank, National Association | 11.2% |
| Bank of America, National Association | 8.4% |
| JPMorgan Chase Bank, National Association | 8.3% |
| River City Bank | 7.1% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.