Guam Credit Unions

Member engagement remained stable with growth holding steady at 1.89% in Q3 2025, up just 1 basis point from 1.88% in Q2 2025. This performance significantly outpaced the national benchmark by 2.50 percentage points, demonstrating strong member retention capabilities despite challenging market conditions.

Profitability showed mixed signals with ROA declining to 0.47% from 0.56% quarter-over-quarter but improving from 0.38% year-over-year. Net interest margin remained stable at 3.72%, matching the national benchmark exactly. The quarterly decline suggests near-term earnings pressure despite positive annual trajectory.

Growth momentum showed mixed patterns with asset growth decelerating to 2.28% from 4.53% quarter-over-quarter, while deposit growth accelerated to 9.81% from 8.47%. Loan growth decelerated to 1.44% from 2.26% quarterly but remained well above the 0.20% national benchmark, indicating strong lending demand.

Risk metrics improved significantly with delinquencies decreasing to 0.78% from 1.20% quarter-over-quarter and remaining stable year-over-year. Net worth increased to 12.10% from 12.03% quarterly, though it declined slightly from 12.16% annually, maintaining adequate capital buffers despite being below national levels.

Portfolio composition shifted toward mortgage concentration, reaching 43.83% compared to 43.16% quarterly and 40.53% annually. Certificate concentrations rose to 38.02% from 35.21% year-over-year, while indirect auto lending increased to 8.14%. All concentrations significantly exceeded national benchmarks, indicating specialized market positioning.