Bank Of Guam vs Community First Guam
Comparing a Bank in Hagatna, GU with a Credit Union in Hagatna, GU using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Bank Of Guam ↗ Bank · Hagatna, GU · Est. 1972 | Community First Guam ↗ Credit Union · Hagatna, GU · Est. 1962 | |
|---|---|---|
| Trust Grade | B · 86/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Hagatna, GU | Hagatna, GU |
| Total assets | $3.1B | $236.0M |
| Capital ratio | 7.2% | 12.2% |
| Return on assets | 0.7% | 1.8% |
| Deposits | $2.9B | — |
| Branches | 17 | 16,353 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 2 | #1 of 2 |
| Established | 1972 | 1962 |
Bank Of Guam
- Assets: $3.1B
- Deposits: $2.9B
- Capital ratio: 7.2%
- Return on assets: 0.7%
- CFPB complaints: 0
- State rank: #2 of 2
Community First Guam
- Assets: $236.0M
- Members: 16,353
- Capital ratio: 12.2%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #1 of 2
Are both institutions federally insured?
Yes. Bank Of Guam is FDIC-insured and Community First Guam is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Bank Of Guam or Community First Guam?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Community First Guam scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Bank Of Guam safe?
Yes — Bank Of Guam is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is B (86/100), reflecting its financial strength and complaint history relative to peers.
Is Community First Guam safe?
Yes — Community First Guam is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Bank Of Guam vs Community First Guam?
Bank Of Guam has a capital ratio of 7.2%, placing it in the bottom 5% of $1B–10B peers. Community First Guam's ratio is 12.2%, placing it in the top 38% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Bank Of Guam have compared to Community First Guam?
The CFPB database shows 0 complaints against Bank Of Guam, and 0 complaints against Community First Guam. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Bank Of Guam with other Banks in Guam
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
