Gather

Lihue, HI · 1 · Charter #9381 · www.gatherfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$905.5M
94th percentile
Members
40,112
75th percentile
Total loans
$477.4M
77th percentile
Total shares
$815.9M
98th percentile

Profitability

Return on assets
1.58%
85th percentile
Net interest margin
3.27%
38th percentile
Efficiency ratio
45.51%
91th percentile
Non-interest income ratio
13.83%
18th percentile

Capital & Risk

Net worth ratio
12.42%
71th percentile
Delinquency rate
1.27%
17th percentile
Net charge-off rate
0.30%
61th percentile
Loan-to-share
58.51%
11th percentile

Growth

Member growth YoY
3.07%
77th percentile
Asset growth YoY
9.67%
85th percentile
Loan growth YoY
6.17%
61th percentile
Share growth YoY
8.86%
84th percentile

Operations

Members / branch
5,730
70th percentile
Assets / member
$22,573
85th percentile
Field of membership penetration
66.85%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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