BlastPoint's Credit Union Scorecard
VOYAGE
Charter #3458 · SD
VOYAGE has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.12% above tier average
- + Net Interest Margin 0.07% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 9 that size in South Dakota.
- Shares and deposits +7.1% year over year ($250M in shares and deposits).
- Membership: 19,806 members, +0.1% vs a year ago.
- Delinquency rate 0.83%.
- Return on assets 0.98%.
- Efficiency ratio 72.94% vs a 76.73% peer average.
- Loan-to-share ratio 77.69% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,806
+0.1% YoY+0.7% QoQ
|
+4.6K |
15,168
-2.6% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
77% |
| Assets |
$285.3M
+9.1% YoY+1.0% QoQ
|
+$53.3M |
$232.0M
+0.7% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
71% |
| Loans |
$193.9M
+9.0% YoY+2.7% QoQ
|
+$47.6M |
$146.3M
+0.2% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$249.6M
+7.1% YoY+0.9% QoQ
|
+$48.8M |
$200.7M
+0.2% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
71% |
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| ROA |
1.0%
+1.5% YoY+3.6% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
63% |
| NIM |
3.8%
+3.3% YoY+2.0% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
72.9%
-3.9% YoY-1.9% QoQ
|
-3.8% |
76.7%
-0.8% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
35% |
| Delinquency Rate |
0.8%
-35.5% YoY+10.7% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
77.7%
+1.8% YoY+1.8% QoQ
|
+6.1% |
71.5%
-0.3% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$22,389
+7.9% YoY+1.0% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
47% |
| CD Concentration |
29.7%
+11.4% YoY+4.8% QoQ
|
+5.1% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % |
23.0%
+2.6% YoY-0.5% QoQ
|
+9.4% | 13.6% | 8.1% | 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 (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)