# GATHER
Lihue, HI · NCUA charter 9381 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gather-9381

Who the members are: federal charter, community charter, organized 1954, minority depository institution. 40,477 members of 60,000 potential (67.5% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $924.0M |
| Members | 40,477 (3.3% YoY) |
| Full-time staff | 102 |
| Net worth | $116.1M |
| Net worth ratio | 12.6% (p79 of band) |
| ROA (annualized) | 1.54% (p92 of band) |
| Total delinquency | 1.01% (p80 of band) |
| Net charge-offs (annualized) | 0.58% (p66 of band) |
| Loans / shares | 58% (p11 of band) |
| Cash / assets | 7.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.60% (p63 of band) |
| Operating expense / assets | 2.61% (p12 of band) |
| Vehicles % of loans | 24% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 89% |
| Third-party paper % of net worth | 89% (p47 of band) |
| Vehicle delinquency | 1.90% (p94 of band) |
| Vehicle NCO | 1.51% (p75 of band) |
| Repossessed % of vehicle book | 0.05% (p50 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 27% |
| Average share balance | $10,392 |
| Participations bought / yr | $4.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $9.0M |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $19,242 |
| Loans granted, annualized | $129.6M |

## Participation posture (from the same filings)

Bought $4.4M and sold $0 in the latest annualized quarter; $9.0M outstanding purchased (7.8% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 6.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 0 |  | repo signal |
| 2016-09 | 1 | 3rd-party paper>100% NW |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | repo signal |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | net worth falling, charge-offs p90 |  |
| 2018-06 | 2 |  | repo signal, charge-offs p90 |
| 2018-09 | 2 | repo signal | net worth falling |
| 2018-12 | 1 |  | repo signal |
| 2019-03 | 2 | repo signal |  |
| 2019-06 | 3 | delinquency 2x band, delinquency rising | repo signal |
| 2019-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2019-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 2 |  | 3rd-party paper>100% NW, delinquency rising |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 2 |  | delinquency 2x band |
| 2021-03 | 3 | delinquency 2x band |  |
| 2021-06 | 2 |  | delinquency 2x band |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 0 |  | net worth falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | net worth falling, delinquency rising |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 | delinquency 2x band | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 0 |  | delinquency rising, delinquency 2x band |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-05 [Matthew Mangan - Strib Varsity](https://news.google.com/rss/articles/CBMilAFBVV95cUxNUHA1R2NfZFM3cVRtUEgzcnktODc5NzFjRzd1YnpmN1pHa1Z1Sm0wMVBCTmttYUpSTk05TzU1RGNjOGpSYXRyYUZBVGhXZWt5cWNpdl9xaXpkbXlsVmlLaF9FUy1oUjJyVHZtV19tOHZMS29xenVPbTA2WngtbGVOUFhFSEhVQ0NQRy1UcUdIQ1VFYlF6?oc=5) · Strib Varsity
- 2026-08-27 [Locals gather to give back to veterans - hometownsource.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPWUhMWHY2dFB4ZEV6Y1JrWm9UVmM4ZkJZd0hBaFFibERlUXFCTjNWdnVLcXZyOU41LWFQWDJtTUs1Yk9qS1hVMlczcFFaX0RlcVJpWG52S041dWJpWXRFT2o2NjdhX3EzOXJmdV9JeFZpb01TRXF1bzk1WFdnNzBUSnpCZHYtMHlZNGpWXzJLR2UwX2pwelFCMFVvbm9yd1YtRUNRYV81RVdsbDdxMHZDYTdpeFJOQkFLUUlqUW5HdkwzMjctcHU5Wko2YnFETUZLTnVpTjhRU1Y1WjVvMHdER18zWExZMmZMb1JB?oc=5) · hometownsource.com
- 2025-08-22 [Gather FCU Becomes the First Credit Union in Hawaii to Launch BNPL - Digital Transactions](https://news.google.com/rss/articles/CBMipgFBVV95cUxOQnJqd3FUSm1MRU13YmlYNnVRaGc2bUJzOU9sblpZUUdhSGhCNFBINkhGLWpfNUF2UDFZYVBBYmdoV3hZMS1ERlA5Vkg5WnFzbVVQZHpVbWU2U3g3b0djaTc2VkNkdTRpMHJ0dndLWnZqYk1ZeHFKMW1jSkdteWRWQ00xazNwN2pkSEFnTGlYVjRNdnRiQkFybHBnRHVYQmdLS1hCZlJn?oc=5) · Digital Transactions
- 2026-08-06 [The Five Minute Read: JDCU named a ‘Great Place to Work’ - Lowell Sun](https://news.google.com/rss/articles/CBMilgFBVV95cUxNY1hpTUtrV2xiNFlvcUZuTUtzZEE0a2lIZ1l6YVFqWDluQi1oNW9hY0t2ajNPTlA3SFlpXzNfaTZMZ2owWUlhNHdVSW04dS1kSTRvQXk4bEdmZ1NxOFh4ZDhaMmtqcEFFNlVGeWFJcVNDWFJGZkVzNktoeEZYRk9UZ08zNGxFd2RPQWVicEVLZGdZa2lvTXc?oc=5) · Lowell Sun
- 2019-10-15 [Kauai: Island’s Biggest Credit Union Grows Bigger In Effort To Remain Independent - Honolulu Civil Beat](https://news.google.com/rss/articles/CBMirwFBVV95cUxPLWdlNVQwZkp5OUJBZGlFamdzdksta01JSlFaYzNJTlh6djBsejItUmoyUVNtcEtxN2ZrclkzSlFmN1RnRURyZjVDWVp0S2xLY3ZIc0xmRE0tTlY0a3ZwX2YzSC1wa1hpdTVhVWhGd1MtNnA3N3hVR1c2eE5tem0tdW9GeHBJN2t3bEU2THVOSWlLd3JFQXl0MU9GWGd1ZjlHVld6ck0tcHpQSjdvbGlR?oc=5) · Honolulu Civil Beat
- 2026-05-26 [Poway Unified students gather to celebrate their shared Black culture - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMiugFBVV95cUxNWWp4UzFiUTJtbjBRSjVtZ25PZDhITzRxX21yVWM4N3hwd3A0ZFp0MlN5Zkc0LU1KVV9uV1JwWC1yT3Z0RGp6OER1eDhsM290Vmp2SEM3NVVTNGg4VWhtc3huN3JvNEY2MDVvV1plSHdFRDN6eVc4YU5RWTE3cU1nMmJyWFFCOFN0VWRkM1pJTnJsSUpqUnhVUHZqeE1JZW1DUXJDU3dIWGRsR25kUkk0SllCRHpDT3RrekE?oc=5) · San Diego Union-Tribune
- 2022-05-05 [Hawaii Credit Union League Board of Directors announced - CUInsight](https://news.google.com/rss/articles/CBMinAFBVV95cUxNTXFpN213MGhOUmttSUdtOFE0X01pd3hUZ1VpTWRTRDk4b1F4czFicXYzR2pLMjZuQUFlWWtpVXJaR2ZKYXBCNHBySy0zZkFKN3YxcElMdGVmX0hYcG80ZEFja1R5RWY0MHF6M3BDTTlMNFlqZGhUamFmd1NlRG1xVDRXUVE2TnBUeHJnRFZxMWVUSDc5d2FDOFZTaGI?oc=5) · CUInsight
- 2026-09-09 [Planning ahead with Cultivate: Financial support for farmers when it matters - Agriland](https://news.google.com/rss/articles/CBMiswFBVV95cUxPMkFwWVVQZWdZV3NiRnpQRjFTbERXVE1zWDF1U1VkMENCTXVTcWx6VmhsTV9WTC1ld21USWttcHI2RWVJem9aNnBYby11RXBQTkpwUnNBckp3WkpPWFg1YTFpU0szSTk4a1dnSWVFRDdMeExEWDM3ODVlTm1DWmpQQ3Q1QmJlTTNwVmRTNkxmZkVyQ0MyOGh6N1pRYUZyaC1oYks2NENrMWhfdWdJN2VLbWl4OA?oc=5) · Agriland

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9381 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/37.json (key "9381", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=9381
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide