Side-by-side · Q2 2026 data
Gather Federal Credit Union vs Garden Island Federal Credit Union
Metric by metric
| Measure | Gather Federal Credit Union | Garden Island Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 71 |
| Capital cushion | 78 | 87 (stronger) |
| Loan quality | 67 (stronger) | 55 |
| Earnings | 83 (stronger) | 36 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 92 (stronger) | 90 |
| Peer percentile | 80th | 54th |
| Total assets | $934.5M | $126.2M |
| Deposits / shares | $841.5M | $110.5M |
| Capital ratio | 12.81% | 13.72% (stronger) |
| Problem loans | 0.99% (stronger) | 1.35% |
| Net charge-offs | 0.57% | 0.43% (stronger) |
| Return on assets | 1.57% (stronger) | 0.39% |
| Loans ÷ deposits | 57.6% (stronger) | 57.8% |
| Uninsured deposits | 3.2% (stronger) | 6.6% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gather Federal Credit Union has the higher TellerScore (81 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Gather Federal Credit Union leads on 5 and Garden Island Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lihue, HI
- Koloa, HI