State overview · Q4 2025
Guam Credit Unions
All 2 federally-insured credit unions in Guam, ranked by financial health, from NCUA 5300 Call Reports.
- 2
- Credit unions
- 62K
- Members
- $851M
- Combined assets
- 77/100
- Avg health
Health-score distribution
How Guam's 2 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.
All Credit Unions in Guam
| Credit Union | Health |
|---|---|
| Coast360 Maite | 77 |
| Community First Guam Hagatna | 77 |
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
What This Data Says About Credit Unions in Guam
Guam is home to 2 federally-insured credit unions collectively serving 62K members with $851M in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 77/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Coast360 of Maite currently leads the cohort with a health score of 77/100, while the full distribution spans 2 institutions ranked below.
The health distribution breaks into four bands: 0 credit unions score 80–100 (Excellent), 2 score 60–79 (Good), 0 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.
Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Guam's 2 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.
Explore more: Healthiest credit unions · Largest by assets · How health scores work
Frequently Asked Questions
How many credit unions are in Guam?
There are 2 federally-insured credit unions in Guam as of Q4 2025, with a combined 62K members and $851M in total assets. All data is sourced from the NCUA 5300 Call Report.
What is the healthiest credit union in Guam?
Based on NCUA Q4 2025 data, Coast360 in Maite ranks highest in Guam with a health score of 77/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.
Are credit unions safer than banks?
Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.
Read our methodology - how this data is sourced, computed, and verified.