Community First Guam vs Coast360
Comparing a Credit Union in Hagatna, GU with a Credit Union in Maite, GU using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Community First Guam ↗ Credit Union · Hagatna, GU · Est. 1962 | Coast360 ↗ Credit Union · Maite, GU · Est. 1962 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 96/100 |
| Institution type | Credit Union | Credit Union |
| Location | Hagatna, GU | Maite, GU |
| Total assets | $236.0M | $625.6M |
| Net worth ratio | 12.2% | 12.1% |
| Return on assets | 1.8% | 0.7% |
| Shares & deposits | — | — |
| Members | 16,353 | 49,719 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 2 | #2 of 2 |
| Established | 1962 | 1962 |
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
Coast360
- Assets: $625.6M
- Members: 49,719
- Capital ratio: 12.1%
- Return on assets: 0.7%
- CFPB complaints: 0
- State rank: #2 of 2
Are both institutions federally insured?
Yes. Community First Guam is NCUA-insured and Coast360 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, Community First Guam or Coast360?
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 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 regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Coast360 safe?
Yes — Coast360 is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (96/100).
What is the capital ratio of Community First Guam vs Coast360?
Community First Guam has a net worth ratio of 12.2%, placing it in the top 38% of $100M–1B peers. Coast360's ratio is 12.1%, placing it in the top 39% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Community First Guam have compared to Coast360?
The CFPB database shows 0 complaints against Community First Guam, and 0 complaints against Coast360. 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.
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
