BlastPoint's Credit Union Scorecard
COMMUNITY FIRST GUAM
Charter #15051 · GU
COMMUNITY FIRST GUAM has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 41.6% in tier
- + Organic Growth Engine: Top 63.8% in tier
- + Net Interest Margin 0.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16.2% in tier
- - Efficiency Drag: Bottom 33.7% in tier
- - Liquidity Strain: Bottom 44.5% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 8.92% above tier (higher cost structure)
- - Delinquency rate 0.26% above tier average
- - Members Per Employee (MPE): Bottom 1.6% in tier
- - Asset Growth Rate: Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GU) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,226
+3.1% YoY+0.1% QoQ
|
+788 |
15,437
-2.9% YoY
|
31,011
-4.6% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$232.0M
-3.4% YoY-0.7% QoQ
|
+$159K |
$231.9M
+1.3% YoY
|
$425.4M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$191.7M
-2.9% YoY+1.3% QoQ
|
+$44.4M |
$147.3M
-0.1% YoY
|
$313.1M
+4.1% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$190.0M
+9.8% YoY-0.0% QoQ
|
$-10.8M |
$200.8M
+0.8% YoY
|
$366.2M
+9.4% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
0.4%
-18.3% YoY+56.1% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.5%
+43.2% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
3.9%
-6.4% YoY-2.5% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.7%
-1.6% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
85.9%
-2.5% YoY-5.6% QoQ
|
+8.9% |
77.0%
-3.1% YoY
|
83.3%
-4.8% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.2%
+81.3% YoY+21.4% QoQ
|
+0.3 |
0.9%
+4.2% YoY
|
1.0%
+43.3% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
100.9%
-11.5% YoY+1.3% QoQ
|
+28.7% |
72.2%
-1.1% YoY
|
90.5%
-7.4% YoY
|
67.4%
-1.7% YoY
|
Top 2.2% in tier |
| AMR |
$23,525
-0.0% YoY+0.5% QoQ
|
$-1K |
$24,676
+3.4% YoY
|
$22,428
+7.3% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
33.8%
+4.9% YoY+0.6% QoQ
|
+9.4% | 24.4% | 38.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.8% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)