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Gather Credit Union

Overview
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Gather Credit Union is a federal credit union based in Lihue, Hawaii. It has been opened since 1954, for 66 years.

With around $508,660,000 in assets, Gather Credit Union is considered to be a very large credit union. It has 5 branches and 5 ATM locations.

About
Address 4493 Pahee Street
Lihue, Hawaii 96766
Website http://www.gatherfcu.org
Phone (808) 245-6791
Fax (808) 246-0246
CEO Tess Shimabukuro
President of the Board Walton Hong
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
35,054 members
Membership type: Community credit union
Above average number of members
387:1
Credit union member to staff ratio
387 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$508,657,582
Total assets
Above average
5 branches
Compared with an average of 4 nationally and 3 in Hawaii
Above average number of branches
0.30%
Savings interest rate
Compared to 0.3% nationally
11.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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5 branches
Compared with an average of 4 nationally and 3 in Hawaii
Above average number of branches
Gather Credit Union Branch Locations

Gather Credit Union: Kapaa Branch Office
985 Kipuni Way
Kapaa, Hawaii 96746
ATM Available
Gather Credit Union: Lihue Office
4434 Hardy Street
Lihue, Hawaii 96766
ATM Available
Gather Credit Union: Eleele Branch Office
4469 Waialo Road Unit 15A
Eleele Shopping Center
Eleele, Hawaii 96705
ATM Available
Gather Credit Union: Waimea Branch Office
9936 Kaumualii Highway
Waimea, Hawaii 96796
ATM Available
Gather Credit Union: Kukui Grove Office
4493 Pahee Street
Lihue, Hawaii 96766
ATM Available
Members
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35,054 members
Membership type: Community credit union
Above average number of members

With 35,054 members, the Gather Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 88% of credit unions.

Fees
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$43
Average fee per member
The average fee per member at the Gather Credit Union is $43, which is comparable to most credit unions. This rate is lower than 54% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Gather Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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387:1
Credit union member to staff ratio
387 per each FTE employee
Compared to 411:1 nationally
Average number of staff
90 staff members
FTE (full-time equivalent)
3% of employees are part-time
89 full-time, 3 part-time

Gather Credit Union has 89 full-time staff members and 3 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 97% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Gather Credit Union has around 387 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
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$508,657,582
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.7%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$11,123
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 58% of credit unions.

Gather Credit Union holds a total of $286,720,000 in loans and leases, which is about $11,123 per member on average.

Savings interest rate
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0.30%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Gather Credit Union pays 0.30%.

Loan rates
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11.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
13.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.50%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.75%
New car loan rate
Compared to 4.0% nationally
17.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.75%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.95%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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