BlastPoint's Credit Union Scorecard
VOYAGE
Charter #3458 · SD
VOYAGE has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.07% below tier average
- - Efficiency ratio 0.72% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,767
-0.8% YoY-0.3% QoQ
|
+4.3K |
15,437
-2.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$273.2M
+9.4% YoY+2.1% QoQ
|
+$41.3M |
$231.9M
+1.3% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$189.4M
+8.5% YoY+2.3% QoQ
|
+$42.0M |
$147.3M
-0.1% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$237.5M
+6.8% YoY+2.0% QoQ
|
+$36.7M |
$200.8M
+0.8% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.7%
+680.0% YoY-18.6% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
3.7%
+6.7% YoY-0.6% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
77.7%
-6.0% YoY+4.1% QoQ
|
+0.7% |
77.0%
-3.1% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.6%
-48.2% YoY-27.1% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
79.8%
+1.6% YoY+0.3% QoQ
|
+7.5% |
72.2%
-1.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$21,594
+8.4% YoY+2.5% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
27.9%
+9.3% YoY+0.8% QoQ
|
+3.5% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % |
23.6%
+4.7% YoY-4.9% QoQ
|
+9.8% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)