Federal credit union · Sioux Falls, South Dakota · NCUA charter #3458
VOYAGE
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $273.2M
- Total assets
- 19,767
- Members
- 9.9%
- Net-worth ratio
VOYAGE scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $273.2M; members 19,767; net-worth ratio 9.87%; health rank #2,161 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,161 of 4,374 health · 2025Q4VOYAGE · health 84/100 · $273.2M · 2025Q4
Call Report peers
VOYAGE in the assets neighbourhood
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VOYAGE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); VOYAGE sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for VOYAGE
- Largest favorable gap: Loan-to-Share Ratio at 79.75% vs peer 72.20% (+7.55 pp).
- Largest lag: Net Worth Ratio at 9.87% vs peer 12.11% (-2.24 pp).
VOYAGE: in-state Call Report ranks
- In South Dakota, health place is #22 of 33 on the same NCUA-ratio sort used nationally.
- South Dakota assets place: #4 of 33.
- South Dakota membership ordinal: #4 of 33.
- One place up in South Dakota, DACOTAH (#21) ties at 84/100; one place down, Dakota Star (#23) scores 83/100, 1 point lower.
Quarter path for VOYAGE
VOYAGE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $273.2M (2025Q4) to $282.4M (2026Q1).
- Net-worth ratio shifted -0.09 pp (9.96% → 9.87%).
This credit union's 9.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
VOYAGE gives up 16 points in total. Member Growth costs the most, 7.4 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.7 pts
- Delinquency Rate 23.5 pts
- Return on Assets 8.1 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 15.1 pts
VOYAGE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.87% | -2.24 pp |
| Delinquency Rate | 0.65% | -0.24 pp |
| Return on Assets | 0.08% | -0.54 pp |
| Member Growth | -0.78% | - |
| Loan-to-Share Ratio | 79.75% | +7.55 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - VOYAGE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $282.4M | - |
| 2025Q4 | $273.2M | 19,767 |
| 2024Q4 | $249.6M | 19,923 |
| 2023Q4 | $233.5M | 20,378 |
Credit Union Details
- Charter Number
- 3458
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- South Dakota
- City
- Sioux Falls
- Data Quarter
- 2025Q4
Branch Locations (5)
VOYAGE operates 5 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Sioux Falls, SD |
| Dawley Farm Branch | Sioux Falls, SD |
| Crossroads | Sioux Falls, SD |
| Administration Office | Sioux Falls, SD |
| Vermillion | Vermillion, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
More federally-insured credit unions based in South Dakota, ordered by peer group match and asset size.
VOYAGE nationwide neighbourhoods
Using this data
- VOYAGE ranks #2,161 of 4,374 nationally on financial health and #22 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HIGHMARK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HIGHMARK
Frequently Asked Questions
Is VOYAGE financially healthy?
VOYAGE has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,161 of 4,374 nationally on health and #22 of 33 in South Dakota. Its net worth ratio is 9.87% and its delinquency rate 0.65%.
How does VOYAGE compare to other credit unions?
VOYAGE scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (79.75% vs 72.20%). Its widest shortfall is net worth ratio (9.87% vs 12.11%).
How can I join VOYAGE?
VOYAGE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact VOYAGE directly for the exact boundaries and application steps.
Is my money safe at VOYAGE?
VOYAGE is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. VOYAGE's net worth ratio of 9.87% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.