GATHER
Charter #9381 · Lihue, HI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.55% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.64% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.01% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.59% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 60.19% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GATHER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $924.00M | 89th pct | 48th pct |
| Members | 40,477 | 46th pct | 43th pct |
| Net worth ratio | 12.56% | 78th pct | 67th pct |
| Return on average assets | 1.55% | 91th pct | 92th pct |
| Net interest margin | 3.64% | 63th pct | 93th pct |
| Cost of funds | 1.36% | 41th pct | 43th pct |
| Loan-to-share | 58.12% | 10th pct | 28th pct |
| Delinquency 60+ days | 1.01% | 80th pct | 87th pct |
| Net charge-off ratio | 0.59% | 65th pct | 77th pct |
| Loan growth YoY | 2.40% | 66th pct | 61th pct |
| Share growth YoY | 4.10% | 52th pct | 57th pct |
| Efficiency ratio | 60.19% | 8th pct | 13th pct |
structural peer set hash: 1841566a600012d6c3c811db3d8f5921… (reproducible)
Closest structural peers
This is the free public view
Claim GATHER
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.