BlastPoint's Credit Union Scorecard
COMMUNITY FIRST GUAM
Charter #15051 · GU
COMMUNITY FIRST GUAM has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.24% above tier average
- + Net Interest Margin 0.55% above tier average
- + Loan-to-Share Ratio: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Members Per Employee (MPE): Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 5.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 1 that size in Guam.
- Shares and deposits +6.4% year over year ($193M in shares and deposits).
- Membership: 16,354 members, +3.2% vs a year ago.
- Delinquency rate 0.34%.
- Return on assets 1.11%.
- Efficiency ratio 76.47% vs a 76.73% peer average.
- Loan-to-share ratio 102.28% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GU) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,354
+3.2% YoY+0.0% QoQ
|
+1.2K |
15,168
-2.6% YoY
|
33,096
+1.2% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$232.7M
-3.1% YoY-1.4% QoQ
|
+$700K |
$232.0M
+0.7% YoY
|
$432.8M
+3.7% YoY
|
$593.1M
+10.2% YoY
|
59% |
| Loans |
$197.0M
+3.7% YoY+3.9% QoQ
|
+$50.8M |
$146.3M
+0.2% YoY
|
$316.8M
+3.8% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$192.6M
+6.4% YoY-1.9% QoQ
|
$-8.1M |
$200.7M
+0.2% YoY
|
$373.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
1.1%
+183.5% YoY-37.7% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
0.9%
+67.7% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
4.2%
+9.2% YoY+2.6% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
3.9%
+6.1% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
76.5%
-12.9% YoY+15.5% QoQ
|
-0.3% |
76.7%
-0.8% YoY
|
75.9%
-8.9% YoY
|
83.0%
-5.3% YoY
|
47% |
| Delinquency Rate |
0.3%
-81.7% YoY-2.9% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
0.6%
-52.2% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
102.3%
-2.6% YoY+5.9% QoQ
|
+30.7% |
71.5%
-0.3% YoY
|
90.6%
-2.2% YoY
|
66.4%
-1.4% YoY
|
Top 2.0% in tier |
| AMR |
$23,827
+1.8% YoY+1.0% QoQ
|
$-1K |
$25,107
+3.2% YoY
|
$21,847
+2.9% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
34.3%
+0.1% YoY+2.6% QoQ
|
+9.7% | 24.6% | 38.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)