Gather
Lihue, HI · Charter 9381 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$934.5MAssets
$484.6MLoans
$841.5MShares
$119.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 93% of credit unions under $1B in assets (rank 126 of 1681).
- Widest gap: nonperforming loans / loans trails 67% of credit unions under $1B in assets (rank 1122 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.57%
Rank 214 of 1,683
Net Interest Margin
3.61%
Rank 1,029 of 1,683
Efficiency Ratio
59.44%
Rank 181 of 1,682
Equity / Assets
12.81%
Rank 857 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.57% | 0.35% | 0.74% | 1.18% | Beats 87% | 214 / 1,683 | |
| Return on Equity | 12.26% | 2.67% | 5.89% | 8.74% | Beats 93% | 126 / 1,681 | |
| Net Interest Margin | 3.61% | 3.31% | 3.82% | 4.32% | Beats 39% | 1,029 / 1,683 | |
| Efficiency Ratio | 59.44% | 68.91% | 78.20% | 86.93% | Beats 89% | 181 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.99% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,122 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.81% | 10.44% | 12.89% | 16.53% | Beats 49% | 857 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.81% | 10.44% | 12.89% | 16.53% | Beats 49% | 857 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 57.59% | 52.61% | 69.38% | 83.50% | 31st pctl | 1,154 / 1,683 | |
| Loans / Assets | 51.86% | 44.71% | 59.18% | 70.72% | 37th pctl | 1,059 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |