Guam Credit Unions

Member engagement deteriorated significantly in Q4 2025, with member growth decelerating from 1.89% in Q3 to -1.98%, marking a concerning 3.87 percentage point decline quarter-over-quarter. This negative growth rate places the cohort 1.29 percentage points below the national benchmark of -0.69%.

Profitability showed mixed signals with ROA remaining stable at 0.45% from 0.47% in Q3, while demonstrating year-over-year improvement from 0.32%. NIM decreased to 3.67% from both 3.72% quarterly and 3.73% annually, contributing to profitability pressures despite trailing national averages by 28 and 6 basis points respectively.

Growth momentum accelerated notably with loan growth reaching 2.30% from 1.44% quarter-over-quarter, substantially outperforming the national 0.52% benchmark. Asset growth similarly accelerated to 2.91% from 2.28% quarterly, though remaining 20 basis points below the national 3.11% average, indicating strong lending activity.

Risk metrics deteriorated across both timeframes with delinquencies rising to 0.99% from 0.78% quarterly and 0.69% annually, now 9 basis points above national levels. Net worth remained stable at 12.09% both quarterly and annually, though significantly below the national 13.68% benchmark by 1.59 percentage points.

Portfolio composition shifted toward residential lending with first mortgage concentration increasing to 44.31% from 43.83% quarterly and 42.44% annually, dramatically exceeding the national 21.97%. Certificate deposits rose to 38.01% from 35.21% year-over-year, nearly double the national 19.80%, indicating conservative funding strategies.