At a glance
From its website, read 2 Nov 2026Community First Guam Federal Credit Union is a credit union based in Hagatna, Guam. Its website describes auto loans, commercial real estate loans, home mortgages and 3 other loan types. Where it lends: Guam. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (671) 472-8210 source |
|---|---|
| emailus@cfirstguam.com source | |
| Apply online | Page with the application link |
| Website | www.cfirstguam.com |
| Office (official list) | 231 Route 4, Hagatna, GU 96910 |
What their website says about applying
Most recent full month's check stubs or proof of income.
sourceTwo most recent year's W-2
sourcePersonal Tax Returns with all schedules including rental, self-employment,etc.
sourcePlease print and submit all the completed forms to our Business Services Group in our
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Membership required
if approved, you must be a member in good standing with CFG in order for the credit to be granted.
source - Collateral flexible or not always required
Signature loan, based on a signature promising to repay
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Jul 2025 |
| RSSD ID | 875383 |
| Address | 231 Route 4, Hagatna, GU 96910 Directions (Google Maps) |
| Website | www.cfirstguam.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts and rates are not stated on the pages fetched, and the business loan details are thin. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Whether you're looking for a new or used vehicle, Community First can tailor a loan package that will fit your budget | source |
| Commercial real estate loans | — | Financing up to 80% of the purchase or appraised value, whichever is lower; | source |
| Home mortgages | — | With either Fixed or Adjustable Rate Mortgages available, we offer several loan options, from buying vacant land, building or buying a home, refinancing your home or investment property | source |
| Personal / consumer loans | — | Available Signature Loan Types: | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | SBA (US Small Business Administration) | source |
| Small-business loans | — | If you are growing a business and plan to capitalize on new opportunities, you will need working capital to make thing happen. | source |
Loan sizes
No amounts stated on the pages we read.
Borrower focus
- Low- and moderate-income / underserved
Geared to help borrowers in the low to moderate income range that may not have the resources for a down payment or closing costs.
source - Veterans
Geared for eligible service members, retirees or survivors, this loan was designed to relieve down payment requirements
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Online
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and SBA-backed loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026Emergency Capital Investment Program (ECIP)
Treasury invested $10 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as COMMUNITY FIRST GUAM (charter 15051). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $232.7 million (as of 30 Jun 2026) |
|---|---|
| Members | 16,354 (as of 30 Jun 2026) |
| Offices | 4 (as of 30 Jun 2026) |
Offices by state and county (4)
Guam (4 offices)
- Guam (4): 231 Route 4, Hagatna 96910 (main office); Micronesia Mall, Suite 115, 1088 W., Dededo 96929; 353 Route 10 Unit 3, Mangilao 96913; 305 Chalan San Antonio, Tamuning 96913
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Community First Guam Federal Credit Union (NCUA charter 15051, filed as “COMMUNITY FIRST GUAM”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $197 million, 4,183 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 3.7% from $190.1 million on 30 Jun 2025 |
| Members | 16,354 (as of 30 Jun 2026); 15,847 (as of 30 Jun 2025) |
| Loans per member | $12,048 (total loans divided by members, 30 Jun 2026) |
| Total assets | $232.7 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $6.7 million | 3.4% |
| Used vehicle loans | $1.8 million | 0.9% |
| First-lien home mortgages (1-4 family) | $99.9 million | 50.7% |
| Other real estate loans (junior liens, other) | $11.8 million | 6.0% |
| Commercial (business) loans | $38.9 million | 19.8% |
| Credit cards | $1.7 million | 0.9% |
| Other unsecured loans | $33.5 million | 17.0% |
| Leases and other secured loans | $2.7 million | 1.4% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $232.7 million | Larger than 55% of the 284 other certified credit unions nationwide (median $181.2 million). |
| Loans as a share of assets | 85% | Median of the same 284 credit unions: 69%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $190.1 million → $197 million (+4%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 108 → 110. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 55% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 108 → 110 of 283 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Hagatna and Guam
- Core Tech Capital, Inc.Loan fund · Tamuning, GUOfficial list only
Work at Community First Guam Federal Credit Union? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.