I think black and white crappies cross once in a while but I don’t see the result looking like that. I know that there are crappies in some waters that look golden, but I think its due more to the nutrients found in those particular waters. If the ‘Norm” for where you got these fish look like the one on the top, I’d say the bottom fish results from some genetic backfire and is just the random case. I have fished crappies in waters where the usual coloration like the top fish shows is washed out sort of like the lower fish but then all of the crappies in those waters tend to look like it.
Looking closely at the picture that bottom fish’s scales seem way coarser than the top fish and almost has a rockbass look to it.