Federal credit union · Lihue, Hawaii · NCUA charter #9381
GATHER
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $905.5M
- Total assets
- 40,112
- Members
- 12.6%
- Net-worth ratio
GATHER scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $905.5M; members 40,112; net-worth ratio 12.56%; health rank #1,450 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GATHER vs every NCUA-scored credit union
GATHER sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where GATHER diverges from peer averages
- Net Worth Ratio leads the peer set - 12.56% here, 11.18% peer average (+1.38 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -25.39 pp (58.51% vs 83.90%).
GATHER in Hawaii
- Hawaii health ordinal: #9 of 45.
- By total assets, GATHER is #7 of 45 in Hawaii.
- Member book place in Hawaii: #8 of 45.
- One place up in Hawaii, Hawaii County Employees (#8) scores 89/100, 1 point higher; one place down, Hawaii State (#10) ties at 88/100.
How GATHER's 5300 filing moved
GATHER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $905.5M (2025Q4) to $924.0M (2026Q1).
- Net-worth ratio shifted +0.14 pp (12.42% → 12.56%).
At 12.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
GATHER gives up 12 points in total. Delinquency Rate costs the most, 7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.7 pts
- Loan-to-Share Ratio 12.3 pts
GATHER health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.56% | +1.38 pp |
| Delinquency Rate | 1.27% | +0.40 pp |
| Return on Assets | 1.09% | +0.58 pp |
| Member Growth | 3.07% | - |
| Loan-to-Share Ratio | 58.51% | -25.39 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - GATHER
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $924.0M | - |
| 2025Q4 | $905.5M | 40,112 |
| 2024Q4 | $825.6M | 38,916 |
| 2023Q4 | $749.2M | 37,883 |
Credit Union Details
- Charter Number
- 9381
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Hawaii
- City
- Lihue
- Data Quarter
- 2025Q4
Branch Locations (7)
GATHER operates 7 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Kukui Grove Office (Main Office) | Lihue, HI |
| Eleele Branch Office | Eleele, HI |
| Kapaa Branch Office | Kapaa, HI |
| Kilauea Branch | Kilauea, HI |
| Koloa Branch | Koloa, HI |
| Walmart Lihue | Lihue, HI |
| Waimea Branch Office | Waimea, HI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Hawaii
A look at other Hawaii credit unions, ranked by how closely their peer group and asset size match this one.
GATHER nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- GATHER ranks #1,450 of 4,374 nationally on financial health and #9 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- University of Hawaii is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with University of Hawaii
Frequently Asked Questions
Is GATHER financially healthy?
On its 2025Q4 NCUA 5300 filing, GATHER scores 88/100 (Excellent), with a 12.56% net worth ratio and 1.27% of loans delinquent. It ranks #1,450 of 4,374 nationally on health and #9 of 45 in Hawaii.
How does GATHER compare to other credit unions?
GATHER scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.56% vs 11.18%). Its widest shortfall is loan-to-share ratio (58.51% vs 83.90%).
How can I join GATHER?
GATHER operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact GATHER directly for the exact boundaries and application steps.
Is my money safe at GATHER?
GATHER is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. GATHER's net worth ratio of 12.56% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.