PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community First Guam

Hagatna, GU · Charter 15051

NCUA · 4 branches

Q2 2026

$232.7MAssets
$197.0MLoans
$192.6MShares
$29.0MNet Worth

Executive Summary

  • Earnings: ROA of 1.11%, up 72 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 0.34% of loans (-152 bps YoY).
  • Capital: net worth / assets of 12.46%, up 78 bps from a year ago.
  • Funding: loans stand at 102.28% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.11%+72 bps YoY

Net Interest Margin (quarter, annualized)

4.26%+36 bps YoY

Efficiency Ratio (quarter, annualized)

76.47%-1,131 bps YoY

Net Worth / Assets

12.46%+78 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.44%0.07%0.39%0.23%0.36%1.78%1.11%+72 bps
Return on Equity4.18%3.87%0.64%3.36%1.94%2.95%14.58%8.94%+558 bps
Net Interest Margin4.12%4.19%3.91%3.90%4.02%3.88%4.13%4.26%+36 bps
Efficiency Ratio85.19%88.19%97.27%87.77%91.02%85.94%66.21%76.47%-1,131 bps
Growth
Asset Growth (YoY)13.97%5.48%3.73%0.61%-5.30%-3.37%-2.87%-3.10%-371 bps
Loan Growth (YoY)16.27%4.75%-0.89%-2.63%-4.61%-2.89%-2.18%3.67%+630 bps
Share Growth (YoY)-0.49%-3.42%3.91%6.78%7.21%9.78%11.25%6.44%-34 bps
Asset Quality
Delinquent Loans / Loans0.47%0.64%0.83%1.86%0.95%1.16%0.35%0.34%-152 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.18%11.48%11.37%11.68%11.98%12.16%12.19%12.46%+78 bps
Net Worth / Assets11.18%11.48%11.37%11.68%11.98%12.16%12.19%12.46%+78 bps
Liquidity & Funding
Loans / Shares111.98%114.08%109.83%105.01%99.63%100.92%96.57%102.28%-273 bps
Liquid Assets / Assets98.39%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps