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
- 82/100
- Avg health
Guam has 2 federally insured credit unions averaging 82/100 health on NCUA 5300 Call Report aggregates. Combined assets $851M; 1 score Excellent (80+). State leader: Community First Guam at 86/100.
- Data vintage 2026-09-06
Guam vs all states by credit-union count
Where this state's federally insured CU count sits among every state and D.C. on PlainCU
2 54th of 54 the lowest of 54 states
States and D.C., banded by federally insured credit-union count
Each bar is a band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · Q4 2025
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 |
|---|---|
| Community First Guam Hagatna | 86 |
| COAST360 Maite | 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 82/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Community First Guam of Hagatna currently leads the cohort with a health score of 86/100, while the full distribution spans 2 institutions ranked below.
The health distribution breaks into four bands: 1 credit unions score 80–100 (Excellent), 1 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.
Nationwide states with similar credit-union assets or inventory
Two NCUA Call Report peer sets for Guam: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.
Similar combined assets
Nearest states by total credit-union assets ($851M here).
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. That places Guam at #53 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Guam ranks #28 of 54. All data is sourced from the NCUA 5300 Call Report.
What is the healthiest credit union in Guam?
Based on NCUA Q4 2025 data, Community First Guam in Hagatna ranks highest in Guam with a health score of 86/100. 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.
Using Guam's data
- Community First Guam in Hagatna is the healthiest scored credit union in Guam at 86/100 -- look up its full composite before assuming it fits your situation. View full profile
- Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio into one composite. National health rankings
- Guam ranks #28 of 54 by average health score and #53 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews
Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Read our methodology - how this data is sourced, computed, and verified.