BlastPoint's Credit Union Scorecard
GATHER
Charter #9381 · HI
GATHER has 3 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does HI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 24.4% in tier
- + Relationship Depth Leader: Top 55.8% in tier
- + ROA 0.65% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 25.9% in tier
- - Credit Quality Pressure: Bottom 26.0% in tier
- - Indirect Auto Dependency: Bottom 51.1% in tier
- - Delinquency rate 0.39% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
40,112
+3.1% YoY+0.3% QoQ
|
-12.0K |
52,084
-1.6% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$905.5M
+9.7% YoY+1.9% QoQ
|
+$41.6M |
$863.9M
+0.5% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$477.4M
+6.2% YoY+1.2% QoQ
|
$-128.4M |
$605.8M
+1.4% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.8% in tier |
| Deposits |
$815.9M
+8.9% YoY+2.2% QoQ
|
+$78.6M |
$737.3M
+0.1% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
84% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
+15.3% YoY-9.7% QoQ
|
+0.7% |
0.7%
+39.1% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
Top 12.0% in tier |
| NIM |
3.3%
+4.9% YoY-2.9% QoQ
|
-0.1% |
3.4%
+8.7% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
60.6%
-7.1% YoY+2.9% QoQ
|
-13.7% |
74.3%
-3.6% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.0% in tier |
| Delinquency Rate |
1.3%
+42.3% YoY-14.7% QoQ
|
+0.4 |
0.9%
+3.8% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
58.5%
-2.5% YoY-1.0% QoQ
|
-24.1% |
82.6%
+1.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.4% in tier |
| AMR |
$32,241
+4.6% YoY+1.6% QoQ
|
+$3K |
$28,873
+2.7% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
25.2%
-6.9% YoY-4.7% QoQ
|
+0.7% | 24.4% | 24.1% | 19.8% | 53% |
| Indirect Auto % |
21.1%
+0.9% YoY+0.0% QoQ
|
+7.3% | 13.8% | 5.0% | 7.8% | 73% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)