BlastPoint's Credit Union Scorecard
GATHER
Charter #9381 · HI
GATHER has 7 strengths but faces 4 concerns
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How does HI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 7.8% in tier
- + Profitability Leader: Top 40.1% in tier
- + Relationship Depth Leader: Top 48.0% in tier
- + Wallet Share Momentum: Top 93.1% 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
- - Credit Risk Growth: Bottom 4.9% in tier
- - Indirect Auto Dependency: Bottom 14.1% 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
|
24% |
| 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
|
62% |
| 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
|
79% |
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| 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
|
48% |
| 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
|
71% |
| 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
|
57% |
| Indirect Auto % |
21.1%
+0.9% YoY+0.3% QoQ
|
+7.1% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
72% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)