BlastPoint's Credit Union Scorecard

GATHER

Charter #9381 · HI

Community 750M-1B

117 CUs in 750M-1B nationally 3 in HI

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GATHER has 3 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 56.0% in tier
+ ROA 0.78% above tier average
+ Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 25.7% in tier
- Credit Quality Pressure: Bottom 26.3% in tier
- Credit Risk Growth: Bottom 32.6% in tier
- Delinquency rate 0.33% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	40,477 +3.3% YoY+0.9% QoQ	-11.0K	51,500 +0.7% YoY	19,510 +0.1% YoY	33,913 +5.7% YoY	25%
Assets	$924.0M +7.1% YoY+2.0% QoQ	+$58.4M	$865.6M +0.9% YoY	$385.1M +5.4% YoY	$578.3M +9.0% YoY	73%
Loans	$482.9M +6.5% YoY+1.2% QoQ	$-112.3M	$595.3M +1.6% YoY	$193.9M +4.9% YoY	$402.4M +8.7% YoY	Bottom 13.7% in tier
Deposits	$830.8M +6.2% YoY+1.8% QoQ	+$88.6M	$742.2M +0.6% YoY	$341.1M +4.6% YoY	$494.3M +9.1% YoY	Top 14.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% +4.1% YoY+10.1% QoQ	+0.8%	0.8% +45.0% YoY	0.8% -0.9% YoY	0.4% -39.2% YoY	Top 8.5% in tier
NIM	3.6% +9.0% YoY+9.1% QoQ	+0.1%	3.5% +6.1% YoY	3.2% +6.8% YoY	3.8% +4.1% YoY	60%
Efficiency Ratio	60.2% -0.4% YoY-0.8% QoQ	-15.3%	75.5% -3.4% YoY	73.4% -3.4% YoY	84.6% +2.8% YoY	Top 11.1% in tier
Delinquency Rate	1.0% +22.5% YoY-20.4% QoQ	+0.3	0.7% -0.1% YoY	1.1% +17.2% YoY	1.2% +3.4% YoY	80%
Loan To Share	58.1% +0.3% YoY-0.7% QoQ	-22.5%	80.6% +0.7% YoY	53.2% -3.6% YoY	65.6% -1.4% YoY	Bottom 9.4% in tier
AMR	$32,457 +2.8% YoY+0.7% QoQ	+$4K	$28,908 +0.7% YoY	$23,509 +4.4% YoY	$19,920 +1.6% YoY	73%
CD Concentration	26.6% +0.1% YoY+5.9% QoQ	+2.3%	24.3%	24.4%	19.8%	60%
Indirect Auto %	21.3% +2.5% YoY+1.3% QoQ	+7.5%	13.8%	4.9%	7.7%	73%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#199 of 257 • Top 56.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.85%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.9K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

risk

#203 of 476 • Bottom 32.6% in tier

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

Why This Signature

Loan Growth (YoY): 6.46%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#351 of 727 • Bottom 26.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#312 of 504 • Bottom 25.7% in tier

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

Why This Signature

Asset Growth (YoY): 7.06%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 21.33%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.34%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (6 metrics)

Return on Assets (ROA)

profitability

Value: 1.54%

Peer Median: 0.63%

#10 of 117 Top 7.7% in 750M-1B tier

Efficiency Ratio

profitability

Value: 60.19%

Peer Median: 77.38%

#14 of 117 Top 11.1% in 750M-1B tier

Total Deposits

balance_sheet

Value: $830.83M

Peer Median: $735.65M

#17 of 117 Top 13.7% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 396.833

Peer Median: 328.468

#24 of 117 Top 19.7% in 750M-1B tier

Member Growth Rate

growth

Value: 3.34%

Peer Median: 0.97%

#29 of 117 Top 23.9% in 750M-1B tier

Net Worth Ratio

risk

Value: 12.56%

Peer Median: 10.69%

#29 of 117 Top 23.9% in 750M-1B tier

Top Weaknesses (4 metrics)

106

Loan-to-Share Ratio

balance_sheet

Value: 58.12%

Peer Median: 84.41%

#106 of 117 Bottom 10.3% in 750M-1B tier

101

Total Loans

balance_sheet

Value: $482.91M

Peer Median: $618.21M

#101 of 117 Bottom 14.5% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.01%

Peer Median: 0.56%

#95 of 117 Bottom 19.7% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 44.29%

Peer Median: 32.60%

#90 of 117 Bottom 23.9% in 750M-1B tier