# COMMUNITY FIRST GUAM
Hagatna, GU · NCUA charter 15051 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-first-guam-15051

Who the members are: federal charter, community charter, organized 1962, low-income designated, minority depository institution. 16,353 members of 19,624 potential (83.3% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $236.0M |
| Members | 16,353 (4.0% YoY) |
| Full-time staff | 72 |
| Net worth | $28.8M |
| Net worth ratio | 12.2% (p63 of band) |
| ROA (annualized) | 1.78% (p95 of band) |
| Total delinquency | 0.35% (p26 of band) |
| Net charge-offs (annualized) | 0.35% (p46 of band) |
| Loans / shares | 97% (p96 of band) |
| Cash / assets | 11.2% |
| Borrowings / assets | 9.32% |
| Net interest margin | 4.13% (p83 of band) |
| Operating expense / assets | 3.86% (p57 of band) |
| Vehicles % of loans | 5% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.90% (p72 of band) |
| Vehicle NCO | 1.01% (p70 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 132% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 33% |
| Average share balance | $7,274 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $46,232 |
| Loans granted, annualized | $52.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $4,921 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 11.3% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 | delinquency 2x band | leaning on borrowings |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 0 |  | delinquency 2x band, net worth falling |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 0 |  | charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | expense trap, members leaving |  |
| 2018-06 | 2 | net worth falling | members leaving |
| 2018-09 | 2 | thin capital | expense trap |
| 2018-12 | 3 | expense trap, delinquency rising | net worth falling |
| 2019-03 | 2 |  | expense trap |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | delinquency 2x band |  |
| 2019-12 | 0 |  | thin capital, delinquency rising, delinquency 2x band |
| 2020-03 | 0 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze, delinquency 2x band, leaning on borrowings |  |
| 2020-09 | 2 |  | delinquency 2x band, leaning on borrowings |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | net worth falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | net worth falling |  |
| 2021-12 | 0 |  | margin squeeze, net worth falling |
| 2022-03 | 2 | thin capital, delinquency rising |  |
| 2022-06 | 2 | charge-offs p90, leaning on borrowings | thin capital, delinquency rising |
| 2022-09 | 1 |  | charge-offs p90 |
| 2022-12 | 2 | loans>95% of shares |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | net worth falling, delinquency 2x band, delinquency rising | loans>95% of shares |
| 2023-09 | 4 | loans>95% of shares | delinquency 2x band |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | members leaving |  |
| 2024-06 | 2 |  | net worth falling, delinquency rising, members leaving |
| 2024-09 | 3 | repo signal |  |
| 2024-12 | 2 |  | repo signal |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 4 | delinquency 2x band |  |
| 2025-09 | 4 | assets shrinking | delinquency 2x band |
| 2025-12 | 4 |  |  |
| 2026-03 | 2 |  | delinquency rising, assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-15 [Community First selects 4 new college interns for 2026 spring program - guampdn.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOX0tmZTI5OURndDRLaXQ1em5jLWdhU3FXUFBwdzRJRk5SN25hUXJHeUNSM0VNR2pJNGJ1NEVwTEtuRVV4WV9VOW9kR2JJQ3Vld1BIRWFEVlMzSWtvM2hoUnlWbEpRSzc1cVRLN28zNlFDMHQxSmUxTDBQY19yVktzajRtMEV4d1RfQWIyVTVJdGo3QjJjMU1GTFR0UW1JUWJsbDBDOGlSZ0VETW9TYzhZXzk2WmJkajd5Vk45Q2p0TjBocU5iQ3BJY0RfX3FtZHM1ckZSS01XTFFkWTQtWjg1Qk1B?oc=5) · guampdn.com
- 2026-01-12 [Community First Guam Federal Credit Union opens at Micronesia Mall - guampdn.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQZXZhcFpyODZraEJpTDg4RXVETGMzMlJ3aW5XbWdKUDBjODRPdUpxRHc1WExvZ3MtSmw3WWZicEZVczlOcHlGRDNPWmNYMVBuMUh1VENvWl9kVXlkcDh2Q2h0Q2ZrVWtTb2dubWFxYVl4YXA4X1I4RW16NlY4MDM3TVU2a2VJV1AzeGVTRlI4X1F2T3RmYTh5T3N6cVplNG5CS3M5UFFpcjE2eXFwT29Hbmw1QzIzY19xWUJBeDNzWkdhZDBDZkJsMW9Bb2lsWXUwemxhQmoxT09jaDZhcXc?oc=5) · guampdn.com
- 2022-09-25 [Community First gets $10M from U.S. Treasury to help small businesses, lower income households - guampdn.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxNUnljSHRTT203am10dDRXdzZvVWdxZU1SdGNrcFd0bjBlVl9BUXFrQW9TaVBXNTBwQnNSMDRsUHZra0NXUXNwdzBOUHp3OTVkOEZ2azRpYWdxYjkzZVpRenJvSE5ULTNXdFJfUVdZNVE2UmtJNE8zV25kSUY1Q1VvZkVWS3pjMThwX0dBMFlxVzFSQm1TWExreERqOW9ybHBIRkRCUmdtY2I3ZlR5eTlrTmd3ZVpQcGwtcXliUDlUYkV5Q1VreTVuV1BoN0RfMlZ5My1faW1YaWNreXdvTjNEMU5Pd0kxaGt3UW5IUXN6T0dxYmJ3U2xObkZzQTFCZDZ6?oc=5) · guampdn.com
- 2025-04-11 [Community First partners with Federal Home Loan Bank of Des Moines to award $37,500 to 3 Guam nonprofits - guampdn.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxOcWhubjlQU3BadkNNUS1PYzdUb1Q0ZFQ1S281ZnEzUnV5ZHhJM2g2cWdRb0NkSFNQbm5hRnVrMmY5OWtOM0N6YnFMRVdEWF9oWFRhODVtRVR2d0lUUWdlZ0tuRjBhczNYQVBDQ1NuajBzbGpoYmg5QnBCSnNFa0ZkbndRQUVZTzdpSkxpMTUtRTJXR05Sd0JjVkFWdklrcUVWa1hKN2ZBTndEUklPVXl2dzl6Znd4UWtnMjNOdUE0Zjl6cHI1Rzdxdi1qX2tXblk2bnhyblplcEZlY21MaVBRdWlqemoyc2NfdDVUUmVwN1Vmb0U?oc=5) · guampdn.com
- 2025-03-02 [Community First selects new college interns for 2025 Spring Program - guampdn.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPdlJQTnhVZnZmcEJYWmhXUjN3eWo4REdpN04yaG52NnFLcVA0Y2g2dmgydk4wOHAtOEtQMFNOejF0X2VKT3o3U1kwZFo0c01YVHRJXzJpTzQ0cE9aSlN4V0psWVo2QWNXRmZNOTFnQVFna2lDb2lHU001NFJfTUZGel9pYm90WkFUN0R2WHd0VVF5SEY5UEoyaXVPX2l4aGs5ZlUzZnl5OXZuTmZzS3hJVU5HdUlLY2ZuUzdzMlJHTVhXbGg3elllYUQycGtPRWYtbWdsWDFiVThCcUFnUkVr?oc=5) · guampdn.com
- 2023-10-09 [Community First opens new $7.5M Hagåtña headquarters - guampdn.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxNeHhBa3pYa1lnc1JYU3V2ckZSamxqcGNKbjdNZ1BlelQ0WWpMSENlb0hfVWhUajBmZlZ1ZnZxMVBUZmNaR1RsY0VzZFBoVnQ5cV9tV1dfZWU0TmZmLURBVkNqcldjZTlPLWRuSjFFdGl2Q1RqOVAxU0tBQy1iSDJiWFZPcHpNTzBEZ1MzSDBqbTlDYkhEcE9jcnFhV1R5dEMwZy1NV01yakJ1RjRtU0NPbEJoVE5SeEJucVRJaERzWDJhZ09Xc1UxMk9B?oc=5) · guampdn.com
- 2023-04-04 [Community First promotes two officer trainees - guampdn.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQTXpvcGhWb0FubEpRejlxU3l3cHB0YVV5SWJkYlpfa0pJWDVVVWZPWURXVFBiU1JVN3JadHZCSEdKcEZ3dURFRGlWMjl3LWptUEd6QmtUWGk3UHdrQUMzOVlQbW5nU1F6M1lUMVFEbFdBRGEtbU9iZ292cGFmRUlLejZnNGhKWjRSUzhZMVZVQ2dWaVNZVU1qT2FvWXhwU1p5UDRLUklYTWQydWl5YkRGeHI4UklFSEpJVHhFbzZHa0Qzc00?oc=5) · guampdn.com
- 2025-08-25 [Community First picks 2 new college interns for 2025 fall program - guampdn.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOTnNodGdsQmVCQ3ZaTzJmWGFXQjAzYzNjWklDRVpZblo3V1FRd0xYN3l2c1VCbkRITV9PTWEzUFdWNXR2V01GWmtMSGFUa21ab1pGbVY3M0JuZVVDS0xKeWxVNFYtTGU5RE5Za2lkNnFudllyMWJGR0Y3eHJfOE5kUlBZUUEtdHpKOEZZTzNqVjlBM2IzNkpZOW5DQ1hwLWktcjRhQmpWdnlUVExfaV95SFFoc0pJTlNzM0F1MTF1Ri1nWndiSm02YUd1aUJzT0VaQzhJSW16VWpNc196?oc=5) · guampdn.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15051 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/11.json (key "15051", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=15051
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide