Gather Federal Credit Union
Total assets
$924.0M
▲ +7.1% YoY
Shares & deposits
$830.8M
▲ +6.2% YoY
Loans
$482.9M
▲ +6.5% YoY
Members
40,477
▲ +3.3% YoY
ROA (annualized)
1.54%
peers 0.62%
ROE (annualized)
12.24%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.8% | +2.3 pts |
| Share growth (YoY) | +6.2% | +4.3% | +1.9 pts |
| Loan growth (YoY) | +6.5% | +4.3% | +2.1 pts |
| ROA | 1.54% | 0.62% | +0.9 pts |
| ROE | 12.2% | 5.9% | +6.3 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 4493 Pahee St, Lihue, HI, 96766
- NCUA charter #
- 9381
- RSSD ID
- 13082
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $924.0M | $830.8M | $482.9M | $116.1M | $3.6M | 1.54% | 3.60% | 1.01% | 40,477 |
| Q4 2025 | $905.5M | $815.9M | $477.4M | $112.5M | $12.5M | 1.38% | 3.27% | 1.27% | 40,112 |
| Q3 2025 | $888.6M | $798.1M | $471.6M | $110.3M | $10.3M | 1.54% | 3.39% | 1.49% | 39,996 |
| Q2 2025 | $881.1M | $796.6M | $465.4M | $106.3M | $6.3M | 1.44% | 3.30% | 1.41% | 39,601 |
| Q1 2025 | $863.0M | $782.5M | $453.6M | $103.1M | $3.1M | 1.44% | 3.23% | 0.82% | 39,170 |
| Q4 2024 | $825.6M | $749.5M | $449.6M | $99.8M | $9.9M | 1.20% | 3.11% | 0.89% | 38,916 |
| Q3 2024 | $805.2M | $728.1M | $442.5M | $98.0M | $8.0M | 1.32% | 3.15% | 0.88% | 38,826 |
| Q2 2024 | $784.6M | $711.9M | $432.6M | $95.5M | $5.5M | 1.41% | 3.20% | 0.56% | 38,475 |
Loan mix (Q1 2026): real estate $281.6M · commercial $3.9M · consumer $187.4M · securities $325.9M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 0.62% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 5.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.48% | 63th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 78.3% | 8th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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