Voyage
Sioux Falls, SD · Charter 3458 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$285.3MAssets
$193.9MLoans
$249.6MShares
$28.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 81% of credit unions under $1B in assets (rank 311 of 1681).
- Widest gap: equity / assets trails 79% of credit unions under $1B in assets (rank 1336 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.98%
Rank 612 of 1,683
Net Interest Margin
3.73%
Rank 914 of 1,683
Efficiency Ratio
72.93%
Rank 588 of 1,682
Equity / Assets
10.03%
Rank 1,336 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.35% | 0.74% | 1.18% | Beats 64% | 612 / 1,683 | | |
| Return on Equity | 9.76% | 2.67% | 5.89% | 8.74% | Beats 81% | 311 / 1,681 | | |
| Net Interest Margin | 3.73% | 3.31% | 3.82% | 4.32% | Beats 46% | 914 / 1,683 | | |
| Efficiency Ratio | 72.93% | 68.91% | 78.20% | 86.93% | Beats 65% | 588 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.83% | 0.26% | 0.65% | 1.29% | Beats 42% | 979 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.03% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,336 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.03% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,336 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.69% | 52.61% | 69.38% | 83.50% | 65th pctl | 586 / 1,683 | | |
| Loans / Assets | 67.96% | 44.71% | 59.18% | 70.72% | 69th pctl | 521 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |