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
- ASSETS 84/100
- MEM 9.9%
- RANK 0.65%
- PHOTO 0.08%
- BOOK $273.2M
- CHARTER 19,767
- NCUSIF #2,161/4,374
- CAMELS Penn East
- HEALTH 3458
Call Report peers
VOYAGE in the assets neighbourhood
VOYAGE's $273.2M assets sit next to Penn East ($273.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VOYAGE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
VOYAGE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #3458: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for VOYAGE
VOYAGE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $273.2M (2025Q4) to $282.4M (2026Q1).
- Net-worth ratio shifted -0.09 pp (9.96% → 9.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
VOYAGE's nationwide photo peers by assets and by health score, excluding South Dakota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($273.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- Rates and health both vary by institution, not just by state -- see how South Dakota credit unions compare overall before assuming this one is typical. South Dakota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is VOYAGE financially healthy?
VOYAGE has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,161 of 4,374; by total assets it ranks #1,085 of 4,374 nationally (same basis as /rankings/largest); and #4 of 33 within South Dakota. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.87% and delinquency rate of 0.65%.
How does VOYAGE compare to other credit unions?
Five weighted metrics from NCUA filings produce VOYAGE's 84/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like VOYAGE are 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."
What rates does VOYAGE offer compared to banks?
Credit unions like VOYAGE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact VOYAGE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.