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COMMUNITY FIRST GUAM FEDERAL CREDIT UNION

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.


ABA Routing Number: 321480406
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

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
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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