PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Voyage

Sioux Falls, SD · Charter 3458

NCUA · 5 branches

Q2 2026

$285.3MAssets
$193.9MLoans
$249.6MShares
$28.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.98%, up 1 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.83% of loans (-46 bps YoY).
  • Capital: net worth / assets of 10.03%, down 20 bps from a year ago.
  • Funding: loans stand at 77.69% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+11 bps YoY

Efficiency Ratio (YTD, annualized)

72.94%-292 bps YoY

Net Worth / Assets

10.03%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.84%0.68%0.95%0.98%+1 bps
Return on Equity9.46%8.26%6.86%9.61%9.75%+29 bps
Net Interest Margin3.63%3.64%3.62%3.68%3.73%+11 bps
Efficiency Ratio75.86%74.65%77.73%74.33%72.94%-292 bps
Growth
Asset Growth (YoY)8.04%8.27%9.44%8.30%9.11%+107 bps
Loan Growth (YoY)2.60%6.70%8.55%8.95%9.03%+643 bps
Share Growth (YoY)8.52%5.98%6.82%6.34%7.10%-142 bps
Asset Quality
Delinquent Loans / Loans1.28%0.89%0.65%0.75%0.83%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.23%10.15%9.96%9.87%10.03%-20 bps
Net Worth / Assets10.23%10.15%9.96%9.87%10.03%-20 bps
Liquidity & Funding
Loans / Shares76.32%79.53%79.75%76.34%77.69%+137 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps