TellerScore

Gather Federal Credit Union is a federal credit union headquartered in Lihue, Hawaii, in business for about 72 years. At the end of Q2 2026 it reported $934.5M in total assets and $841.5M in member shares and deposits, with 7 offices.

Gather Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in Hawaii, it ranks 14th. Funding & liquidity contributes the most (100/100, 58% loans-to-deposits, 3% uninsured); loan quality contributes the least (67/100, 0.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.81%
Loan quality67/100
Loans 60+ days delinquent ÷ total loans: 0.99%
Earnings83/100
Return on assets (annualized): 1.57%
Funding & liquidity100/100
Loans ÷ shares: 57.6% · 3.2% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.25%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (74 → 81), mostly because the loan quality component improved by 14 points.

TellerScore
747881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202478
Q4 202477
Q1 202579
Q2 202574
Q3 202575
Q4 202576
Q1 202680
Q2 202681
Net worth ratio
7.00%9.90%12.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.17%
Q3 202412.17%
Q4 202412.09%
Q1 202511.95%
Q2 202512.07%
Q3 202512.41%
Q4 202512.42%
Q1 202612.56%
Q2 202612.81%
Delinquent loans (60+ days)
0.56%1.02%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.88%
Q4 20240.89%
Q1 20250.82%
Q2 20251.41%
Q3 20251.49%
Q4 20251.27%
Q1 20261.01%
Q2 20260.99%
Return on assets
1.20%1.38%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.41%
Q3 20241.32%
Q4 20241.20%
Q1 20251.44%
Q2 20251.44%
Q3 20251.54%
Q4 20251.38%
Q1 20261.54%
Q2 20261.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$934.5M12.81%0.99%1.57%57.6%
Q1 202680$924.0M12.56%1.01%1.54%58.1%
Q4 202576$905.5M12.42%1.27%1.38%58.5%
Q3 202575$888.6M12.41%1.49%1.54%59.1%
Q2 202574$881.1M12.07%1.41%1.44%58.4%
Q1 202579$863.0M11.95%0.82%1.44%58.0%
Q4 202477$825.6M12.09%0.89%1.20%60.0%
Q3 202478$805.2M12.17%0.88%1.32%60.8%
Q2 202481$784.6M12.17%0.56%1.41%60.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.81%
68th
Problem loans0.99%
30th
Net charge-offs0.57%
29th
Return on assets1.57%
90th
Loans to deposits57.6%
81st
Uninsured deposits3.2%
80th
Loan-loss reserves0.00%
50th
Texas ratio4.2%
48th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
University of Hawaii Federal Credit UnionCredit union Honolulu, HI81 out of 100, Strong$975.7M11.4%0.30%vs
Hawaii Community Federal Credit UnionCredit union Kailua Kona, HI60 out of 100, Moderate$808.3M9.7%1.32%vs
Lokahi Federal Credit UnionCredit union Honolulu, HI66 out of 100, Moderate$701.9M9.5%0.39%vs
Pearl Hawaii Federal Credit UnionCredit union Waipahu, HI77 out of 100, Strong$545.1M10.2%0.42%vs
Maui County Federal Credit UnionCredit union Wailuku, HI68 out of 100, Moderate$487.5M14.0%2.09%vs
CU Hawaii Federal Credit UnionCredit union Hilo, HI74 out of 100, Strong$460.3M11.0%0.33%vs

Deposit insurance

Is my money safe at Gather Federal Credit Union?

Yes. Gather Federal Credit Union is a federally insured credit union (NCUA charter #9381). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.2% of shares and deposits ($27.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.81%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Gather Federal Credit Union lists 7 offices in 6 cities. Most locations:

  • Lihue, HI (2)
  • Eleele, HI (1)
  • Kapaa, HI (1)
  • Kilauea, HI (1)
  • Koloa, HI (1)
  • Waimea, HI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Gather Federal Credit Union
Type
Federal credit union
NCUA charter #
9381
RSSD ID
13082
Primary regulator
NCUA
Established
1954
Headquarters
4493 Pahee St, Lihue, HI 96766
Employees
101

Quick answers

Gather Federal Credit Union: common questions

Is Gather Federal Credit Union NCUA insured?

Yes. Gather Federal Credit Union is a federally insured credit union (NCUA charter #9381). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Gather Federal Credit Union's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Gather Federal Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lihue

InstitutionScoreAssetsCapitalProblem loansCompare
McBryde Federal Credit UnionCredit union Eleele, HI79 out of 100, Strong$102.7M26.9%1.70%vs
Garden Island Federal Credit UnionCredit union Lihue, HI71 out of 100, Strong$126.2M13.7%1.35%vs
American Savings Bank, National AssociationBank Honolulu, HI71 out of 100, Strong$9.0B9.1%0.19%vs
Central Pacific BankBank Honolulu, HI67 out of 100, Moderate$7.5B9.6%0.30%vs
First Hawaiian BankBank Honolulu, HI67 out of 100, Moderate$23.6B9.4%0.30%vs
Bank of HawaiiBank Honolulu, HI64 out of 100, Moderate$23.8B8.4%0.18%vs