BlastPoint's Credit Union Scorecard
GATHER
Charter #9381 · HI
GATHER has 4 strengths but faces 3 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
- + Relationship Depth Leader: Top 67.7% in tier
- + ROA 0.73% above tier average
- + Net Interest Margin 0.12% above tier average
- + Efficiency Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 33.2% in tier
- - Delinquency rate 0.20% above tier average
- - Loan-to-Share Ratio: Bottom 8.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 3 that size in Hawaii.
- Shares and deposits +5.6% year over year ($841M in shares and deposits).
- Membership: 40,924 members, +3.3% vs a year ago.
- Delinquency rate 0.99%.
- Return on assets 1.58%.
- Efficiency ratio 59.44% vs a 74.54% peer average.
- Loan-to-share ratio 57.59% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
40,924
+3.3% YoY+1.1% QoQ
|
-11.6K |
52,482
+1.3% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
25% |
| Assets |
$934.5M
+6.1% YoY+1.1% QoQ
|
+$70.5M |
$863.9M
+0.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$484.6M
+4.1% YoY+0.3% QoQ
|
$-123.2M |
$607.8M
+2.1% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.7% in tier |
| Deposits |
$841.5M
+5.6% YoY+1.3% QoQ
|
+$101.6M |
$739.9M
+0.2% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Top 11.7% in tier |
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 |
1.6%
+8.8% YoY+2.7% QoQ
|
+0.7% |
0.8%
+30.4% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
Top 7.2% in tier |
| NIM |
3.6%
+8.8% YoY+0.8% QoQ
|
+0.1% |
3.5%
+6.2% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
59.4%
+0.0% YoY-1.2% QoQ
|
-15.1% |
74.5%
-1.4% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
Top 9.9% in tier |
| Delinquency Rate |
1.0%
-29.8% YoY-1.8% QoQ
|
+0.2 |
0.8%
+1.0% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
57.6%
-1.4% YoY-0.9% QoQ
|
-25.0% |
82.6%
+1.9% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.2% in tier |
| AMR |
$32,403
+1.7% YoY-0.2% QoQ
|
+$4K |
$28,702
+0.4% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
26.8%
+7.0% YoY+0.8% QoQ
|
+2.3% | 24.6% | 25.0% | 20.0% | 60% |
| Indirect Auto % |
21.8%
+3.9% YoY+2.3% QoQ
|
+8.2% | 13.6% | 4.8% | 7.7% | 74% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
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)