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
NCUA 5300 Call Report Masthead
#1,450 of 4,374 health · 2025Q4GATHER · health 88/100 · $905.5M · 2025Q4
- RANK 88/100
- PHOTO 12.6%
- BOOK 1.27%
- CHARTER 1.09%
- NCUSIF $905.5M
- CAMELS 40,112
- HEALTH #1,450/4,374
- NW GRANITE
- DELQ 9381
GATHER in the assets neighbourhood
GATHER's $905.5M assets sit next to GRANITE ($906.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
GATHER - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9381 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How GATHER's 5300 filing moved
GATHER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $905.5M (2025Q4) to $924.0M (2026Q1).
- Net-worth ratio shifted +0.14 pp (12.42% → 12.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for GATHER - kept outside Hawaii; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($905.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Hawaii credit unions compare overall before assuming this one is typical. Hawaii state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is GATHER financially healthy?
A 12.56% net worth ratio and a 1.27% delinquency rate feed into GATHER's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,450 of 4,374; by total assets it ranks #506 of 4,374 nationally (same basis as /rankings/largest); and #7 of 45 within Hawaii. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does GATHER compare to other credit unions?
Five weighted metrics from NCUA filings produce GATHER's 88/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like GATHER are 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."
What rates does GATHER offer compared to banks?
Credit unions like GATHER are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact GATHER directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.