Sep, 30, 2025 — COMMUNITY FIRST GUAM FEDERAL CREDIT UNION is a federal credit union headquartered in HAGATNA, GU with 4 branch locations and about $233.70 million in total assets. Opened 64 years ago in 1962, COMMUNITY FIRST GUAM FEDERAL CREDIT UNION has about 16,210 members and employs 94 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | COMMUNITY FIRST GUAM FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 231 Route 4 HAGATNA, GU 96910-5219 |
| Phone: | (671) 472-8210 |
| Fax: | (671) 477-1135 |
| Website: | https://www.cfirstguam.com |
| Branches: | 4 branch locations |
| Members: | 16,210 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 15051 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1962 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $233,695,736 |
| CEO/Manager: | Gerard A Cruz |
| Chairperson: | Perry T Taitano |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 22,490,710 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 130,081,576 |
| Unsecured Loans | 37,380,977 |
| Other Loans | 21,869,454 |
| TOTAL LOANS | 189,332,007 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -802,680 |
| Land And Building | 11,068,555 |
| Other Fixed Assets | 1,447,830 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,083,095 |
| All Other Assets | 0 |
| TOTAL ASSETS | 233,695,736 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 15,000,000 |
| Accounts Payable & Other Liabilities | 987,019 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 12,500,000 |
| Share Drafts | 50,549,221 |
| Regular shares | 64,807,635 |
| All Other Shares & Deposits | 74,681,260 |
| TOTAL SHARES & DEPOSITS | 190,038,116 |
| TOTAL LIABILITIES | 218,536,256 |
| Regular Reserve | 0 |
| Other Reserves | -119,270 |
| Undivided Earnings | 15,278,750 |
| TOTAL EQUITY | 15,159,480 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 233,695,736 |
| INCOME & EXPENSE | |
| Loan Income | 9,485,080 |
| Investment Income | 820,720 |
| Other Income | 1,002,599 |
| Total Employee Compensation & Benefits | 4,124,483 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,556,508 |
| Non-operating Income & (Expense) | 44,378 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 350,934 |
| Cost of Funds | 3,253,944 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 407,317 |
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