COMMUNITY FIRST GUAM
Charter #15051 · Hagatna, GU · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 16,353 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.79% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.16% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.35% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.21% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | COMMUNITY FIRST GUAM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $236.00M | 60th pct | 52th pct |
| Members | 16,353 | 65th pct | 75th pct |
| Net worth ratio | 12.19% | 59th pct | 69th pct |
| Return on average assets | 1.79% | 94th pct | 95th pct |
| Net interest margin | 4.16% | 79th pct | 89th pct |
| Cost of funds | 1.87% | 84th pct | 49th pct |
| Loan-to-share | 96.57% | 97th pct | 82th pct |
| Delinquency 60+ days | 0.35% | 27th pct | 30th pct |
| Net charge-off ratio | 0.35% | 49th pct | 77th pct |
| Loan growth YoY | 0.12% | 49th pct | 43th pct |
| Share growth YoY | 3.28% | 47th pct | 51th pct |
| Efficiency ratio | 66.21% | 18th pct | 13th pct |
structural peer set hash: 630d8af932a481ef0d8b41dbc7b58bfe… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.