Community First Guam
Hagatna, GU · Charter 15051 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$232.7MAssets
$197.0MLoans
$192.6MShares
$29.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 76% of credit unions under $1B in assets (rank 399 of 1681).
- Widest gap: equity / assets trails 54% of credit unions under $1B in assets (rank 916 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.11%
Rank 485 of 1,683
Net Interest Margin
4.26%
Rank 457 of 1,683
Efficiency Ratio
76.48%
Rank 750 of 1,682
Equity / Assets
12.46%
Rank 916 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.35% | 0.74% | 1.18% | Beats 71% | 485 / 1,683 | |
| Return on Equity | 8.94% | 2.67% | 5.89% | 8.74% | Beats 76% | 399 / 1,681 | |
| Net Interest Margin | 4.26% | 3.31% | 3.82% | 4.32% | Beats 73% | 457 / 1,683 | |
| Efficiency Ratio | 76.48% | 68.91% | 78.20% | 86.93% | Beats 55% | 750 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.26% | 0.65% | 1.29% | Beats 70% | 508 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.46% | 10.44% | 12.89% | 16.53% | Beats 46% | 916 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.46% | 10.44% | 12.89% | 16.53% | Beats 46% | 916 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 102.28% | 52.61% | 69.38% | 83.50% | 98th pctl | 42 / 1,683 | |
| Loans / Assets | 84.67% | 44.71% | 59.18% | 70.72% | 97th pctl | 48 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |