GATHER

Charter #9381 | HI

750M-1B (112 CUs) Community (281 CUs)
3 750M-1B in HI

GATHER has 6 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 7.4% in tier
  • + Organic Growth Engine: Top 7.8% in tier
  • + Wallet Share Momentum: Top 16.2% in tier
  • + ROA 0.84% above tier average
  • + Net Interest Margin 0.03% above tier average
  • + Efficiency Ratio: Top 8.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.5% in tier
  • - Growth-at-Risk: Bottom 4.9% in tier
  • - Indirect Auto Dependency: Bottom 14.1% in tier
  • - Liquidity Overhang: Bottom 20.9% in tier
  • - Delinquency rate 0.67% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Members 39,996
+3.0% YoY+1.0% QoQ
 -12.1K 52,114
-2.1% YoY
 19,538
+4.7% YoY
 33,089
+6.1% YoY
 Bottom 24.1% in tier
Assets $888.6M
+10.4% YoY+0.9% QoQ
 +$29.6M $859.0M
+0.0% YoY
 $371.1M
+11.7% YoY
 $547.7M
+7.8% YoY
 62nd in tier
Loans $471.6M
+6.6% YoY+1.3% QoQ
 $-131.8M $603.4M
+1.0% YoY
 $190.1M
+8.2% YoY
 $388.7M
+8.6% YoY
 Bottom 11.6% in tier
Deposits $798.1M
+9.6% YoY+0.2% QoQ
 +$63.9M $734.2M
+0.9% YoY
 $328.7M
+11.9% YoY
 $464.6M
+9.3% YoY
 Top 21.4% in tier
ROA 1.5%
+15.8% YoY+6.6% QoQ
 +0.8% 0.7%
+27.6% YoY
 0.8%
+109.8% YoY
 0.7%
+273.4% YoY
 Top 8.0% in tier
NIM 3.4%
+6.7% YoY+2.0% QoQ
 +0.0% 3.4%
+9.6% YoY
 3.1%
+10.9% YoY
 3.7%
+5.0% YoY
 48th in tier
Efficiency Ratio 58.9%
-8.2% YoY-0.8% QoQ
 -15.6% 74.5%
-3.2% YoY
 73.4%
-6.7% YoY
 79.1%
-3.3% YoY
 Bottom 8.0% in tier
Delinquency Rate 1.5%
+68.4% YoY+5.3% QoQ
 +0.7 0.8%
+5.0% YoY
 1.2%
-0.3% YoY
 1.2%
-0.9% YoY
 Top 10.7% in tier
Loan To Share 59.1%
-2.8% YoY+1.1% QoQ
 -23.6% 82.7%
+0.1% YoY
 55.2%
-1.0% YoY
 68.0%
-1.7% YoY
 Bottom 10.7% in tier
AMR $31,745
+5.3% YoY-0.4% QoQ
 +$3K $28,651
+2.5% YoY
 $22,988
+5.6% YoY
 $19,418
+1.3% YoY
 71st in tier
CD Concentration 26.4%
+3.4% YoY+5.2% QoQ
 +2.0% 24.4%
+4.2% YoY
 23.5%
+10.2% YoY
 19.6%
+6.2% YoY
 57th in tier
Indirect Auto % 21.1%
+0.9% YoY+0.3% QoQ
 +7.1% 14.0%
-5.8% YoY
 5.1%
-6.8% YoY
 7.9%
-2.9% YoY
 72nd in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#206 of 1006 • Top 7.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.30%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Engine

growth
#143 of 603 • Top 7.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.01%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.55%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 21.06%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#448 of 1006 • Top 16.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.30%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk
#111 of 736 • Bottom 4.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.60% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#75 of 446 • Bottom 4.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 6.58%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.60% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#228 of 525 • Bottom 14.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 10.36%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 21.06%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.01%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Overhang

risk
#324 of 552 • Bottom 20.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.41%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 59.09%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 112 peers in tier

Top Strengths (6 metrics)

9
Return on Assets (ROA)
profitability
Value: 1.55%
Peer Avg: 0.71%
#9 of 112 Top 7.1% in 750M-1B tier
10
Efficiency Ratio
profitability
Value: 58.94%
Peer Avg: 74.52%
#10 of 112 Top 8.0% in 750M-1B tier
16
Deposit Growth Rate
growth
Value: 9.62%
Peer Avg: 5.03%
#16 of 112 Top 13.4% in 750M-1B tier
17
Asset Growth Rate
growth
Value: 10.36%
Peer Avg: 4.25%
#17 of 112 Top 14.3% in 750M-1B tier
24
Members Per Employee (MPE)
engagement
Value: 412.330
Peer Avg: 361.634
#24 of 112 Top 20.5% in 750M-1B tier
24
Total Deposits
balance_sheet
Value: $798.08M
Peer Avg: $734.17M
#24 of 112 Top 20.5% in 750M-1B tier

Top Weaknesses (5 metrics)

101
Total Delinquency Rate (60+ days)
risk
Value: 1.49%
Peer Avg: 0.82%
#101 of 112 Bottom 10.7% in 750M-1B tier
100
Loan-to-Share Ratio
balance_sheet
Value: 59.09%
Peer Avg: 82.66%
#100 of 112 Bottom 11.6% in 750M-1B tier
99
Total Loans
balance_sheet
Value: $471.59M
Peer Avg: $603.36M
#99 of 112 Bottom 12.5% in 750M-1B tier
89
First Mortgage Concentration (%)
balance_sheet
Value: 44.54%
Peer Avg: 33.64%
#89 of 112 Bottom 21.4% in 750M-1B tier
85
Total Members
engagement
Value: 39,996
Peer Avg: 52,114
#85 of 112 Bottom 25.0% in 750M-1B tier