2023-10-27T15:55:51-05:00 2022-12-31 135565207 KPMG LLP 500 CAPITOL MALL SUITE 2100 SACRAMENTO CA 95814 990 2022-01-01 940362025 THE GOLDEN 1 CREDIT UNION GOLD 9167322900 8945 CAL CENTER DRIVE SACRAMENTO CA 95826 ALLYSON HILL EVP-CFO 9167322900 2023-10-27 1 ALLYSON HILL 999009999 0 MARC HOLLIS P00231474 9164484700 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z DONNA A BLAND 8945 CAL CENTER DRIVE SACRAMENTO CA 95826 1155008393 0 X WWW.GOLDEN1.COM X 1933 CA THE GOLDEN 1 CREDIT UNION DELIVERS FINANCIAL SOLUTIONS WITH VALUE, CONVENIENCE, AND EXCEPTIONAL SERVICE TO OUR MEMBERS. 9 9 2594 14 41678007 4135392 0 0 340281782 395399377 73405342 121448152 111695773 112103531 525382897 628951060 0 0 0 0 185453374 202191045 0 0 0 209003379 302195553 394456753 504386598 130926144 124564462 18331687285 18481868090 16649803970 17128619639 1681883315 1353248451 X THE GOLDEN 1 CREDIT UNION DELIVERS FINANCIAL SOLUTIONS WITH VALUE, CONVENIENCE, AND EXCEPTIONAL SERVICE TO OUR MEMBERS. THE PURPOSE OF THE CORPORATION IS TO ENGAGE IN CREDIT UNION BUSINESS AND ANY OTHER LAWFUL ACTIVITIES WHICH ARE NOT PROHIBITED TO A CREDIT UNION BY APPLICABLE LAWS OR REGULATIONS. 0 0 GOLDEN 1 OFFERS AN ARRAY OF DEPOSIT PRODUCTS TO OUR MEMBERSHIP, INCLUDING SAVINGS, CHECKING, MONEY MARKET, IRAS AND CERTIFICATES. WHILE EARNING COMPETITIVE DIVIDEND RATES, OUR MEMBERSHIP CAN ACCESS THEIR DEPOSITS THROUGH OUR BRANCH NETWORK, VIA AN ATM, ONLINE OR BY CALLING OUR MEMBER SERVICE CONTACT CENTER. GOLDEN 1 OFFERS AN ARRAY OF COMPETITIVE LOAN OPTIONS TO OUR MEMBERSHIP, INCLUDING NEW AND USED AUTO, FIRST MORTGAGE, HOME EQUITY, CREDIT CARD AND PERSONAL 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. 0 0 1 0 0 0 0 0 0 1 1 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 188385 0 2594 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 CA X X ALLYSON HILL EVPCFO 9167322900 8945 CAL CENTER DRIVE SACRAMENTO CA 95826 KERI L THOMAS DIRECTOR, CHAIR 6.00 0.00 X 0 0 0 AEISHA MASTAGNI DIRECTOR, VICE CHAIR 6.00 0.00 X 0 0 0 P CRAIG CORNETT DIRECTOR, SECRETARY/TREASURER 6.00 0.00 X 0 0 0 KEELEY BOSLER DIRECTOR 6.00 0.00 X 0 0 0 TING LAN SUN DIRECTOR 6.00 0.00 X 0 0 0 CASSANDRA JENNINGS DIRECTOR 6.00 0.00 X 0 0 0 SAMANTHA LUI DIRECTOR 6.00 0.00 X 0 0 0 PARIS COLEMAN DIRECTOR 6.00 0.00 X 0 0 0 CRAIG BROWN DIRECTOR 6.00 0.00 X 0 0 0 DONNA BLAND PRESIDENT/CEO 60.00 0.00 X 1065312 0 39652 RICHARD MUSCI EXECUTIVE VICE PRESIDENT 60.00 0.00 X 544966 0 34263 DUSTIN LUTON EXECUTIVE VICE PRESIDENT 60.00 0.00 X 515299 0 41195 ALLYSON HILL SVP/CHIEF FINANCIAL OFFICER 60.00 0.00 X 411043 0 18300 COURTNEY LINN SVP/GENERAL COUNSEL 60.00 0.00 X 387347 0 53594 HEATHER ANDRADE-NEUMANN SVP/CHIEF HUMAN RESOURCES OFFICER 60.00 0.00 X 370456 0 19570 REVATI RAO SVP/LENDING 60.00 0.00 X 364894 0 50597 STEVEN S KNIGHTON SVP/HEAD OF BUSINESS AND FINANCIAL SERVICES 60.00 0.00 X 325403 0 41195 CHAD CARRINGTON SVP/CHIEF INFORMATION OFFICER 60.00 0.00 X 307851 0 19548 DOUGLAS AGUIAR SVP/CHIEF MARKETING OFFICER 60.00 0.00 X 306589 0 42469 ALPHONSO COSBY SVP/RETAIL OFFICER 60.00 0.00 X 292791 0 53559 EVGENIY TKACHUK SVP/CHIEF DIGITAL OFFICER 60.00 0.00 X 205593 0 16932 JOSEPH HARRISON VP - COMPLIANCE OFFICER 50.00 0.00 X 241392 0 37804 JOSEPH NIEHAUS VP - FINANCE/INVESTMENT OFFICER 50.00 0.00 X 231628 0 25331 JOLEEN AYERS VP - ENTERPRISE RISK OFFICER 50.00 0.00 X 223362 0 44305 ALAN RUSSELL HOME LOAN ADVISOR - EXTERNAL 50.00 0.00 X 1197568 0 45080 YEN PHAM HOME LOAN ADVISOR - EXTERNAL 50.00 0.00 X 1133607 0 34089 CHANNING E YIP HOME LOAN ADVISOR - EXTERNAL 50.00 0.00 X 964605 0 20355 KEVIN CAVANAUGH MGR - EXTERNAL HL PRODUCTION 50.00 0.00 X 900364 0 48337 DEBORAH MERCHAIN HOME LOAN ADVISOR - EXTERNAL 50.00 0.00 X 855583 0 29662 TOMMY GENESSY EXECUTIVE VICE PRESIDENT 50.00 0.00 X 329652 0 8482 LIXA M ANDERSON VP - ENTERPRISE APPLICATIONS 50.00 0.00 X 293722 0 34545 KATHY FLYNN SVP - SERVICE OPERATIONS 50.00 0.00 X 252464 0 20116 MOLLYANNA MALLINSON VP - ENTERPRISE PROJECT SERVICES 50.00 0.00 X 230640 0 11606 SHANNON AVRETT VP - CONTROLLER 50.00 0.00 X 222726 0 20229 RHOTUNDA CONDA VP - HUMAN RESOURCES 50.00 0.00 X 221013 0 27874 JASON LEVINGSTON SVP - CHIEF TECHNOLOGY OFFICER 50.00 0.00 X 204391 0 30112 CAROLYN PENA VP - STRATEGY AND INNOVATION 50.00 0.00 X 142812 0 23371 DAVID NOREN VP - REGIONAL BR CHAN DELIV 50.00 0.00 X 131035 0 11893 12874108 0 904065 29 1 1 0 DNA BRAND MECHANICS 1301 FIFTH AVENUE SUITE 2600 SEATTLE WA 98101 ADVERTISING 5804448 SACRAMENTO KINGS LP 500 J STREET 4TH FLOOR SACRAMENTO CA 95814 ADVERTISING 5500568 KPMG LLP DEPT 0922 PO BOX 120922 DALLAS TX 753120922 AUDIT/TAX/ADVISORY SERVICES 4927900 ALLIED UNIVERSAL SECURITY SRVCS PO BOX 31001-2374 PASADENA CA 911102374 SECURITY SERVICES 1671242 PORTER COMPANIES INC 16352 S DEL REY KINGSBURG CA 93631 CONSTRUCTION 967455 31 INTEREST INCOME - LOAN 522200 395399377 364723338 30676039 395399377 121127485 121127485 129705000 396673000 128047126 398010207 1657874 -1337207 320667 320667 CHECKING ACCOUNTS FEE 522100 29768686 29768686 DEBIT CARD INCOME 522100 29621265 29621265 STAR NETWORK FEE INCOM 522100 22214865 22214865 30498715 19496747 11001968 112103531 628951060 587273053 41678007 0 13778173 142091646 13900301 20647697 11773228 4740951 737710 11780481 18186847 17664122 18955826 20025632 605997 1315745 31024761 23922899 830439 DISBURSEMENTS TO MEMBER 45398068 PRODUCT SERVICES 31142672 PROVISION FOR LOAN LOSS 29837671 ATM EXPENSES 21915911 24109821 504386598 146952057 160120547 1527226544 249235198 16971887 16515323 9344239107 12328660156 219556270 146229659 82433691 73326611 6455065954 4790403889 758798045 863606366 18331687285 18481868090 2769767 6605211 16647034203 17122014428 16649803970 17128619639 X 0 0 0 0 1681883315 1353248451 1681883315 1353248451 18331687285 18481868090 X 124564462 865737 -454065063 X 0 1 X 1 0 25000 25000 25000 1 CA CREDIT UNION 9500 CLEVELAND AVE SUITE 200 RANCHO CUCAMONGA CA 91730 942329967 25000 PART I-A, LINE 1: FORM 990 SCHEDULE C, PART 1-A, LINE 1 THE GOLDEN 1 CREDIT UNION CONTRIBUTED TO THE CALIFORNIA CREDIT UNION LEAGUE POLITICAL ACTION COMMITTEE (PAC) DURING 2022. 7947134 7947134 61321569 30839958 30481611 150287567 115389701 34897866 73326611 US GOVERNMENT AGENCY OBL.-AFS 4206053806 F US GOVERNMENT AGENCY OBL.-HTM 584100083 C INVESTMENT SECURITIES, OTHER 250000 F 4790403889 SHARE DRAFTS AND MM ACCOUNTS 9301100297 REGULAR SHARES 4823089817 TERM SHARE CERTIFICATES 247861842 OTHER LIABILITIES 2274962472 OTHER DEPOSITS 300000000 BORROWED FUNDS 175000000 17122014428 X 629816797 865737 865737 628951060 0 628951060 504386598 0 504386598 0 504386598 PART X, LINE 2: ASC TOPIC 740, INCOME TAXES, PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR FINANCIAL STATEMENT DISCLOSURE OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN ON A TAX RETURN. RECOGNITION OF A TAX POSITION IS DETERMINED WHEN IT IS MORE LIKELY THAN NOT THAT A TAX POSITION WILL BE SUSTAINED ON EXAMINATION BY THE TAXING AUTHORITIES, INCLUDING RESOLUTION OF ANY RELATED APPEALS OR LITIGATION PROCESSES. A TAX POSITION THAT MEETS THE MORE LIKELY THAN NOT RECOGNITION THRESHOLD IS MEASURED AT THE LARGEST AMOUNT OF BENEFIT THAT IS GREATER THAN 50% LIKELY OF BEING REALIZED UPON ULTIMATE SETTLEMENT WITH A TAXING AUTHORITY. THE CREDIT UNION DID NOT HAVE ANY UNRECOGNIZED TAX BENEFITS OR OBLIGATIONS AS OF DECEMBER 31, 2022 AND 2021. X 1 1 X X X X 1 1 0 ALAN RUSSELL HOME LOAN ADVISOR - EXTERNAL 102241 0 1055322 0 40005 0 18300 0 26780 0 1242648 0 0 0 YEN PHAM HOME LOAN ADVISOR - EXTERNAL 50565 0 1059778 0 23264 0 18300 0 15789 0 1167696 0 0 0 DONNA BLAND PRESIDENT/CEO 716717 0 290639 0 57956 0 18300 0 21352 0 1104964 0 0 0 CHANNING E YIP HOME LOAN ADVISOR - EXTERNAL 53482 0 890613 0 20510 0 18300 0 2055 0 984960 0 0 0 KEVIN CAVANAUGH MGR - EXTERNAL HL PRODUCTION 33066 0 835396 0 31902 0 18300 0 30037 0 948701 0 0 0 DEBORAH MERCHAIN HOME LOAN ADVISOR - EXTERNAL 48326 0 765452 0 41805 0 18300 0 11362 0 885245 0 0 0 RICHARD MUSCI EXECUTIVE VICE PRESIDENT 358343 0 107861 0 78762 0 18300 0 15963 0 579229 0 0 0 DUSTIN LUTON EXECUTIVE VICE PRESIDENT 357270 0 107961 0 50068 0 18300 0 22895 0 556494 0 0 0 COURTNEY LINN SVP/GENERAL COUNSEL 277320 0 59439 0 50588 0 18300 0 35294 0 440941 0 0 0 ALLYSON HILL SVP/CHIEF FINANCIAL OFFICER 287133 0 63719 0 60191 0 18300 0 0 0 429343 0 0 0 REVATI RAO SVP/LENDING 269485 0 66999 0 28410 0 18300 0 32297 0 415491 0 0 0 HEATHER ANDRADE-NEUMANN SVP/CHIEF HUMAN RESOURCES OFFICER 259324 0 56213 0 54919 0 18300 0 1270 0 390026 0 0 0 STEVEN S KNIGHTON SVP/HEAD OF BUSINESS AND FINANCIAL S 233622 0 43356 0 48425 0 18300 0 22895 0 366598 0 0 0 DOUGLAS AGUIAR SVP/CHIEF MARKETING OFFICER 204750 0 49924 0 51915 0 18300 0 24169 0 349058 0 0 0 ALPHONSO COSBY SVP/RETAIL OFFICER 221873 0 40820 0 30098 0 18265 0 35294 0 346350 0 0 0 TOMMY GENESSY EXECUTIVE VICE PRESIDENT 6229 0 202228 0 121195 0 3173 0 5309 0 338134 0 0 0 LIXA M ANDERSON VP - ENTERPRISE APPLICATIONS 167589 0 105840 0 20293 0 13082 0 21463 0 328267 0 0 0 CHAD CARRINGTON SVP/CHIEF INFORMATION OFFICER 225187 0 42185 0 40479 0 18300 0 1248 0 327399 0 0 0 JOSEPH HARRISON VP - COMPLIANCE OFFICER 185143 0 36568 0 19681 0 14909 0 22895 0 279196 0 0 0 KATHY FLYNN SVP - SERVICE OPERATIONS 160311 0 47622 0 44531 0 13417 0 6699 0 272580 0 0 0 JOLEEN AYERS VP - ENTERPRISE RISK OFFICER 170870 0 35437 0 17055 0 14269 0 30036 0 267667 0 0 0 JOSEPH NIEHAUS VP - FINANCE/INVESTMENT OFFICER 177616 0 33159 0 20853 0 14140 0 11191 0 256959 0 0 0 RHOTUNDA CONDA VP - HUMAN RESOURCES 139831 0 34451 0 46731 0 11187 0 16687 0 248887 0 0 0 SHANNON AVRETT VP - CONTROLLER 149495 0 36323 0 36908 0 11895 0 8334 0 242955 0 0 0 MOLLYANNA MALLINSON VP - ENTERPRISE PROJECT SERVICES 39631 0 148936 0 42073 0 5553 0 6053 0 242246 0 0 0 JASON LEVINGSTON SVP - CHIEF TECHNOLOGY OFFICER 116195 0 50882 0 37314 0 11811 0 18301 0 234503 0 0 0 EVGENIY TKACHUK SVP/CHIEF DIGITAL OFFICER 115246 0 45000 0 45347 0 6669 0 10263 0 222525 0 0 0 CAROLYN PENA VP - STRATEGY AND INNOVATION 77732 0 33701 0 31379 0 7897 0 15474 0 166183 0 0 0 DAVID NOREN VP - REGIONAL BR CHAN DELIV 18500 0 33491 0 79044 0 5914 0 5979 0 142928 0 0 0 FORM 990, SCHEDULE J, PART I, LINE 1A THE CREDIT UNION WILL REIMBURSE A DIRECTOR FOR REASONABLE ACTUAL EXPENSES INCURRED IN CONNECTION WITH ATTENDING APPROVED CONFERENCES, SEMINARS, AND OTHER BUSINESS FUNCTIONS. REIMBURSEMENT MAY INCLUDE EXPENSES FOR ONE IMMEDIATE FAMILY MEMBER TO FACILITATE TRAVEL TO AND FROM SUCH EVENT PER GOLDEN 1'S BOARD TRAVEL POLICY. FORM 990, SCHEDULE J, PART I, LINE 4A ONE EXECUTIVE VICE PRESIDENT AND TWO VICE PRESIDENTS RECEIVED SEVERANCE PAYMENTS DURING 2022. FORM 990, SCHEDULE J, PART I, LINE 4B DONNA BLAND, PRESIDENT AND CEO, AND THREE EXECUTIVE VICE PRESIDENTS PARTICIPATE IN A SPLIT DOLLAR LIFE INSURANCE PLAN AS APPROVED BY THE BOARD OF DIRECTORS. DONNA BLAND CEO SPLIT DOLLAR LOAN X 6752218 7648631 0 1 1 RICHARD MUSCI EVP SPLIT DOLLAR LOAN X 1933000 2177855 0 1 1 TOM GENESSY EVP SPLIT DOLLAR LOAN X 3860500 3529619 0 1 1 DUSTIN LUTON EVP SPLIT DOLLAR LOAN X 2810000 3159218 0 1 1 16515323 FORM 990, PART IV, LINE 26 LOANS FROM THE CREDIT UNION TO INTERESTED PERSONS WERE MADE ON THE SAME TERMS AS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 6 THE GOLDEN 1 CREDIT UNION PROVIDES FINANCIAL SERVICES FOR ITS REGULATORY-PERMISSIBLE FIELD OF MEMBERSHIP. FORM 990, PART VI, SECTION A, LINE 7A THE GOLDEN 1 CREDIT UNION MEMBERS HAVE THE RIGHT TO VOTE FOR THE ELECTION OF DIRECTORS. THE GOLDEN 1 HAS ONE CLASS OF MEMBERS THAT SHALL BE RESTRICTED TO THE PERSONS AND ORGANIZATIONS HAVING SPECIFIC AFFILIATIONS OR IDENTIFYING CHARACTERISTICS ESTABLISHED BY THE BOARD OF DIRECTORS IN OUR FIELD OF MEMBERSHIP. THE GOLDEN 1'S FIELD OF MEMBERSHIP INCLUDES PERSONS WHO LIVE AND/OR REGULARLY WORK IN ONE OF OUR REGULATORY-PERMISSIBLE COMMUNITY CHARTER COUNTIES AND EMPLOYEES AND IMMEDIATE FAMILY MEMBERS OF OUR REGULATORY-PERMISSIBLE ORGANIZATIONS. FORM 990, PART VI, SECTION A, LINE 7B THE GOLDEN 1 CREDIT UNION MEMBERS, BY A TWO-THIRDS (2/3) VOTE, SHALL HAVE THE POWER TO REVIEW THE ACTS AND REVERSE THE DECISIONS OF THE BOARD OF DIRECTORS OF THIS CREDIT UNION. FORM 990, PART VI, SECTION B, LINE 11B A COMMITTEE OF THE GOLDEN 1 BOARD OF DIRECTORS WAS DESIGNATED TO REVIEW THE FORM 990, IN ADVANCE OF THE OCTOBER 26, 2023 GOLDEN 1 BOARD MEETING. THE COMMITTEE OF BOARD MEMBERS APPROVED THE 2022 FORM 990 ON OCTOBER 18, 2023. COPIES OF THE 2022 FORM 990 WERE PROVIDED TO THE FULL GOLDEN 1 BOARD IN ADVANCE OF THE FILING. FORM 990, PART VI, SECTION B, LINE 12C IN ACCORDANCE WITH BOARD POLICY, THE GOLDEN 1 REQUIRES ALL ELECTED OFFICIALS, COMMITTEE MEMBERS, OFFICERS, MANAGERS AND OTHER KEY EMPLOYEES DESIGNATED BY THE CHIEF EXECUTIVE OFFICE TO RECEIVE, COMPLETE, AND SIGN AN ANNUAL STATEMENT OF DISCLOSURE FORM. THE STATEMENT OF DISCLOSURE ASKS A SERIES OF QUESTIONS PERTAINING TO POTENTIAL CONFLICTS OF INTEREST. THE GOLDEN 1 ADMINISTRATION DEPARTMENT COORDINATES THE DISTRIBUTION, COLLECTION AND EXCEPTION REVIEW OF THE COMPLETED STATEMENTS. GOLDEN 1'S INTERNAL AUDIT DEPARTMENT PERFORMS AN ANNUAL AUDIT OF THE STATEMENT OF DISCLOSURES TO ENSURE COMPLIANCE WITH BOARD POLICY, TIMELINESS OF THE PROCESS AND APPROPRIATE REVIEW OF COMPLETED STATEMENTS. ON AN ANNUAL BASIS, THE BOARD ALSO REVIEWS AND APPROVES THE RELATED BOARD POLICY AND STATEMENT OF DISCLOSURE FORM. FORM 990, PART VI, SECTION B, LINE 15 OFFICERS OF THE GOLDEN 1 CREDIT UNION INCLUDE THE CHIEF EXECUTIVE OFFICER (CEO), EXECUTIVE VICE PRESIDENT (EVPS), AND SENIOR VICE PRESIDENTS (SVPS). THE COMPENSATION REVIEW PROCESS FOR OFFICERS IS AS FOLLOWS: CEO COMPENSATION: A COMMITTEE CONSISTING OF FOUR MEMBERS FROM THE BOARD OF DIRECTORS (CALLED THE CEO COMPENSATION COMMITTEE) IS FORMED EACH YEAR TO REVIEW CEO COMPENSATION. THE CHAIRMAN OF THIS COMMITTEE DIRECTS THE SVP/CHIEF HUMAN RESOURCES OFFICER TO PROVIDE PAY TREND INFORMATION FOR REVIEW AND CONSIDERATION TAKING INTO CONSIDERATION ASSET SIZE, BUSINESS SCOPE, AND OVERALL COMPLEXITY OF THE OPERATIONS. SIMILAR INDUSTRY AND BANKING SURVEYS ARE USED FOR COMPARISON PURPOSES. THE RESULTS, WHICH ARE PROVIDED TO THE COMMITTEE, COMPARE BENCHMARK BASE PAY, INCENTIVE PAY, AND TOTAL COMPENSATION TO GOLDEN 1'S CURRENT CEO COMPENSATION PACKAGE. AFTER REVIEW AND CONSIDERATION, THE COMMITTEE PROVIDES A RECOMMENDATION TO THE FULL BOARD OF DIRECTORS FOR APPROVAL. THE DECISION IS DOCUMENTED CONTEMPOARENOUSLY AND MAINTAINED IN HUMAN RESOURCES. EVP/SVP COMPENSATION: A SIMILAR ANALYSIS IS PERFORMED FOR THE EVPS/SVPS AS REQUESTED BY THE PRESIDENT & CEO. SIMILAR INDUSTRY AND BANKING SURVEYS ARE USED AS REFERENCED ABOVE. AN OVERALL COMPETITIVE ANALYSIS IS PERFORMED BY THE SVP/CHIEF HUMAN RESOURCES OFFICER AND THE RESULTS AND SUPPORTING DOCUMENTATION ARE PRESENTED TO THE CEO. FORM 990, PART VI, SECTION C, LINE 19 THE GOLDEN 1 CREDIT UNION'S FORM 990 WILL BE AVAILABLE ON GUIDESTAR.ORG FOR PUBLIC INSPECTION. THE GOLDEN 1 CREDIT UNION'S QUARTERLY NATIONAL CREDIT UNION ADMINISTRATION (NCUA) CALL 5300 REPORT CONTAINS FINANCIAL AND STATISTICAL DATA. THIS REGULATORY REPORT IS AVAILABLE FOR PUBLIC INSPECTION ONLINE AT NCUA.GOV. GOLDEN 1'S ANNUAL REPORT IS PUBLICALLY AVAILABLE ON OUR WEBSITE AT GOLDEN1.COM. GOLDEN 1 MEMBERS MAY REQUEST COPIES OF FINANCIAL STATEMENTS BY CALLING OUR MEMBER SERVICE CONTACT CENTER. FORM 990, PART XI, LINE 9: CHANGE IN COMPREHENSIVE LOSS -454,930,800. UNREALIZED GAINS ON INV 865,737.