Compared with Hawaii
4 of 16
compared fees are above the median.
7 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
14th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Hawaii median
of 16 compared; 7 below, 5 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Gather Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Hawaii median | Published fees above the Hawaii median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Gather Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.2% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (14th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $537K in Q2 2026, 19% above the same quarter a year earlier ($451K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 16 compared published fees sit above the Hawaii median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Hawaii medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Hawaii, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 7.4% from Q3 2025 to Q2 2026, to $537K. Its share of revenue, 4.2%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$537K
Gather Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Gather Federal Credit Union · $934M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Gather Federal Credit Union(this institution) | Lihue, HI | $934M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Abnb Federal Credit Union | Chesapeake, VA | $914M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Altaone Federal Credit Union | Ridgecrest, CA | $967M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Campus Federal Credit Union | Baton Rouge, LA | $936M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cedar Point Federal Credit Union | Lexington Park, MD | $906M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Certified Federal Credit Union | El Monte, CA | $925M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Choice Federal Credit Union | Johnston, IA | $923M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Community First Federal Credit Union | Santa Rosa, CA | $921M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Resource Federal Credit Union | Baytown, TX | $930M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Day Air Federal Credit Union | Kettering, OH | $909M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fortera Federal Credit Union | Clarksville, TN | $947M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Granite Federal Credit Union | Salt Lake City, UT | $918M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greenwood Federal Credit Union | Warwick, RI | $957M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Hoosier Hills Federal Credit Union | Bedford, IN | $938M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Houston Federal Credit Union | Sugar Land, TX | $952M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Members First Federal Credit Union | Midland, MI | $905M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| N C P D Federal Credit Union | Plainview, NY | $909M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Numark Federal Credit Union | Joliet, IL | $932M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nutmeg State Financial Federal Credit Union | Rocky Hill, CT | $916M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oklahoma'S Federal Credit Union | Oklahoma City, OK | $954M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Qualstar Federal Credit Union | Bothell, WA | $939M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sun East Federal Credit Union | Aston, PA | $909M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas Bay Federal Credit Union | Houston, TX | $905M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Tlc Community Federal Credit Union | Adrian, MI | $950M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| True Community Federal Credit Union | Jackson, MI | $955M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Westreet Federal Credit Union | Tulsa, OK | $967M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 13 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Gather Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Gather Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $537K | −$29K | −5.1% |
| Q1 2026 | $566K | +$65K | +13.0% |
| Q4 2025 | $501K | +$1K | +0.2% |
| Q3 2025 | $500K | +$49K | +10.9% |
| Q2 2025 | $451K | −$27K | −5.6% |
| Q1 2025 | $478K | +$41K | +9.4% |
| Q4 2024 | $437K | +$1K | +0.2% |
| Q3 2024 | $436K | +$43K | +10.9% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Gather Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Gather Federal Credit Union by share.
Amounts from Gather Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
per hour · Research Fee/Account Reconciliation Fee | $25 per hour
per quarter
per month
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per statement · Statement Copy Fee | $5 per statement
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Closure Fee (Accounts closed within 90 days) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Early Closure Fee (closed within 90 days) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (inactive for one (1) year or more) | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Research Fee/Account Reconciliation Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | Research Fee/Account Reconciliation Fee | $25 per hour |
| Invalid Address Fee | $5Not compared: Quarterly charge, not monthly | per quarter | None |
Overdraft & NSF | |||
| Overdraft Fee | $12.50Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Return Fee (Non-Sufficient Funds) | $12.50Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer Fee | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle wi | $4.99Not compared: Monthly charge, not per item | per month | None |
| Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Expedited Card Order Fee | $25Below the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer Fee | $40Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Domestic Wire Transfer Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Incoming International Wire Transfer Fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Teller Check Fee (after the 3rd check per day) | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order Fee (after the 3rd money order per day) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Credit Union Check Stop Payment / Declaration of Loss Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Teller Check Stop Payment/ Declaration of Loss Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks (sheet of 4) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check copy / Copy Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Credit Union Check Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Teller Check Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Checks Return Fee (all checks deposited) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Returned Check Deposit Fee | $25Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Legal Processing Fee (e.g. liens, levies, garnishments, or any form of legal attachment or execution) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Legal Processing Fee | $50Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Other Fees | |||
| Statement Copy Fee | $5Not compared: Charged per statement; comparison unavailable | per statement | Statement Copy Fee | $5 per statement |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Gather Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state (June 30, 2026)
Map coming soon
We are placing each office on the map from its address. 0 of 7 are placed so far; the map appears once most are.
Cities with the most offices
| Lihue, HI | 2 |
| Eleele, HI | 1 |
| Kapaa, HI | 1 |
| Kilauea, HI | 1 |
| Koloa, HI | 1 |
| Waimea, HI | 1 |
Largest competitors nearby
Local market: Kauai county, HI, around its headquarters.
| 10 in its local market | Deposit share |
|---|---|
| Bank of Hawaii | 41.9% |
| First Hawaiian Bank | 35.7% |
| American Savings Bank, National Association | 14.9% |
| Central Pacific Bank | 6.6% |
| Bank of Hope | 0.6% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.