BlastPoint's Credit Union Scorecard
VOYAGE
Charter #3458 · SD
VOYAGE has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.22% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,670
-0.7% YoY-0.5% QoQ
|
+4.5K |
15,145
-2.5% YoY
|
10,664
+2.0% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$282.4M
+8.3% YoY+3.4% QoQ
|
+$50.7M |
$231.7M
+0.8% YoY
|
$187.1M
+4.6% YoY
|
$578.3M
+9.0% YoY
|
71% |
| Loans |
$188.8M
+8.9% YoY-0.3% QoQ
|
+$44.7M |
$144.1M
+0.2% YoY
|
$124.5M
+2.5% YoY
|
$402.4M
+8.7% YoY
|
73% |
| Deposits |
$247.3M
+6.3% YoY+4.1% QoQ
|
+$46.2M |
$201.1M
+0.4% YoY
|
$165.7M
+4.9% YoY
|
$494.3M
+9.1% YoY
|
70% |
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| ROA |
0.9%
-22.1% YoY+37.5% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
0.9%
-399.1% YoY
|
0.4%
-39.2% YoY
|
67% |
| NIM |
3.7%
+0.9% YoY+0.5% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
4.0%
+2.7% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
74.3%
-3.1% YoY-4.4% QoQ
|
-3.7% |
78.0%
-1.7% YoY
|
79.0%
-5.2% YoY
|
84.6%
+2.8% YoY
|
35% |
| Delinquency Rate |
0.7%
-30.8% YoY+15.2% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
0.9%
+21.4% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
76.3%
+2.4% YoY-4.3% QoQ
|
+5.9% |
70.4%
-0.4% YoY
|
70.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
59% |
| AMR |
$22,171
+8.3% YoY+2.7% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$21,889
+2.4% YoY
|
$19,920
+1.6% YoY
|
45% |
| CD Concentration |
28.3%
+10.4% YoY+1.3% QoQ
|
+4.0% | 24.3% | 28.7% | 19.8% | 50% |
| Indirect Auto % |
23.2%
+3.0% YoY-1.9% QoQ
|
+9.4% | 13.8% | 7.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)