BlastPoint's Credit Union Scorecard
COMMUNITY FIRST GUAM
Charter #15051 · GU
COMMUNITY FIRST GUAM has 7 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 1.05% above tier average
- + Net Interest Margin 0.50% above tier average
- + Loan-to-Share Ratio: Top 3.2% in tier
- + Deposit Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Members Per Employee (MPE): Bottom 1.9% in tier
- - Asset Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GU) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,353
+4.1% YoY+0.8% QoQ
|
+1.2K |
15,145
-2.5% YoY
|
33,036
+9.1% YoY
|
33,913
+5.7% YoY
|
65% |
| Assets |
$236.0M
-2.9% YoY+1.7% QoQ
|
+$4.3M |
$231.7M
+0.8% YoY
|
$430.8M
+3.9% YoY
|
$578.3M
+9.0% YoY
|
60% |
| Loans |
$189.6M
-2.2% YoY-1.1% QoQ
|
+$45.4M |
$144.1M
+0.2% YoY
|
$314.4M
+4.4% YoY
|
$402.4M
+8.7% YoY
|
73% |
| Deposits |
$196.3M
+11.3% YoY+3.3% QoQ
|
$-4.9M |
$201.1M
+0.4% YoY
|
$372.5M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
58% |
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| ROA |
1.8%
+2337.5% YoY+396.3% QoQ
|
+1.0% |
0.7%
+5.1% YoY
|
1.3%
+204.6% YoY
|
0.4%
-39.2% YoY
|
Top 6.3% in tier |
| NIM |
4.1%
+4.9% YoY+6.6% QoQ
|
+0.5% |
3.6%
+4.6% YoY
|
3.8%
+3.1% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
66.2%
-31.9% YoY-23.0% QoQ
|
-11.8% |
78.0%
-1.7% YoY
|
70.8%
-20.0% YoY
|
84.6%
+2.8% YoY
|
18% |
| Delinquency Rate |
0.4%
-57.6% YoY-69.7% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.5%
-24.0% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
96.6%
-12.1% YoY-4.3% QoQ
|
+26.2% |
70.4%
-0.4% YoY
|
88.3%
-6.7% YoY
|
65.6%
-1.4% YoY
|
Top 3.3% in tier |
| AMR |
$23,594
+0.2% YoY+0.3% QoQ
|
$-1K |
$24,918
+2.7% YoY
|
$21,734
-1.5% YoY
|
$19,920
+1.6% YoY
|
54% |
| CD Concentration |
33.4%
+0.6% YoY-1.3% QoQ
|
+9.1% | 24.3% | 37.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 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)