TellerScore

Community First Guam Federal Credit Union is a federal credit union headquartered in Hagatna, Guam, in business for about 64 years. At the end of Q2 2026 it reported $232.7M in total assets and $192.6M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Community First Guam Federal Credit Union scores 72/100, which we describe as strong. That is higher than 57% of 1,341 credit unions with $100 million – $1 billion. Its strongest component is problem-loan coverage (95/100; 2.3%), and its lowest is funding & liquidity (29/100; 102% loans-to-deposits, 41% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Net worth ratio: 12.46%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.34%
Earnings65/100
Return on assets (annualized): 1.11%
Funding & liquidity29/100
Loans ÷ shares: 102.3% · 40.5% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.31%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 23 points (49 → 72), mostly because the loan quality component improved by 51 points.

TellerScore
496377Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202460
Q4 202460
Q1 202554
Q2 202549
Q3 202557
Q4 202557
Q1 202677
Q2 202672
Net worth ratio
7.00%9.73%12.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.50%
Q3 202411.34%
Q4 202411.48%
Q1 202511.36%
Q2 202511.67%
Q3 202511.96%
Q4 202512.16%
Q1 202612.19%
Q2 202612.46%
Delinquent loans (60+ days)
0.34%1.10%1.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.77%
Q3 20240.47%
Q4 20240.64%
Q1 20250.83%
Q2 20251.86%
Q3 20250.95%
Q4 20251.16%
Q1 20260.35%
Q2 20260.34%
Return on assets
0.07%0.92%1.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.47%
Q4 20240.44%
Q1 20250.07%
Q2 20250.39%
Q3 20250.23%
Q4 20250.36%
Q1 20261.78%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$232.7M12.46%0.34%1.11%102.3%
Q1 202677$236.0M12.19%0.35%1.78%96.6%
Q4 202557$232.0M12.16%1.16%0.36%100.9%
Q3 202557$233.7M11.96%0.95%0.23%99.6%
Q2 202549$240.2M11.67%1.86%0.39%105.0%
Q1 202554$243.0M11.36%0.83%0.07%109.8%
Q4 202460$240.1M11.48%0.64%0.44%114.1%
Q3 202460$246.8M11.34%0.47%0.47%112.0%
Q2 202459$238.7M11.50%0.77%0.65%115.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.46%
63rd
Problem loans0.34%
79th
Net charge-offs0.26%
62nd
Return on assets1.11%
73rd
Loans to deposits102.3%
2nd
Uninsured deposits40.5%
0th
Loan-loss reserves0.00%
50th
Texas ratio2.3%
72nd

Similar-size credit unions in Guam

InstitutionScoreAssetsCapitalProblem loansCompare
Coast360 Federal Credit UnionCredit union Maite, GU70 out of 100, Strong$633.0M12.1%0.81%vs

Deposit insurance

Is my money safe at Community First Guam Federal Credit Union?

Yes. Community First Guam Federal Credit Union is a federally insured credit union (NCUA charter #15051). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 40.5% of shares and deposits ($78.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.46%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Community First Guam Federal Credit Union lists 4 offices in 4 cities. Most locations:

  • Dededo, GU (1)
  • Hagatna, GU (1)
  • Mangilao, GU (1)
  • Tamuning, GU (1)

All branch addresses and map

Identity & history

Profile

Legal name
Community First Guam Federal Credit Union
Type
Federal credit union
NCUA charter #
15051
RSSD ID
875383
Primary regulator
NCUA
Established
1962
Headquarters
231 Route 4, Hagatna, GU 96910-5210, Hagatna, GU 96910
Employees
93

Quick answers

Community First Guam Federal Credit Union: common questions

Is Community First Guam Federal Credit Union NCUA insured?

Yes. Community First Guam Federal Credit Union is a federally insured credit union (NCUA charter #15051). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Community First Guam Federal Credit Union's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Community First Guam Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hagatna

InstitutionScoreAssetsCapitalProblem loansCompare
Coast360 Federal Credit UnionCredit union Maite, GU70 out of 100, Strong$633.0M12.1%0.81%vs
First Hawaiian BankBank Honolulu, HI67 out of 100, Moderate$23.6B9.4%0.30%vs
Bank of HawaiiBank Honolulu, HI64 out of 100, Moderate$23.8B8.4%0.18%vs
BankPacific, LtdBank Hagatna, GU49 out of 100, Below average$191.9M11.9%3.03%vs
Bank of GuamBank Hagatna, GU43 out of 100, Below average$3.2B8.3%1.89%vs