BlastPoint's Credit Union Scorecard
VOYAGE
Charter #3458 · SD
VOYAGE has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 42.1% in tier
- + ROA 0.06% above tier average
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 6.0% in tier
- - Stagnation Risk: Bottom 18.0% in tier
- - Membership Headwinds: Bottom 22.9% in tier
- - Delinquency rate 0.03% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,836
-1.6% YoY+0.2% QoQ
|
+4.2K |
15,628
-3.4% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$267.6M
+8.3% YoY+2.3% QoQ
|
+$36.3M |
$231.3M
-0.0% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$185.1M
+6.7% YoY+4.1% QoQ
|
+$37.3M |
$147.8M
-1.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
71% |
| Deposits |
$232.8M
+6.0% YoY-0.1% QoQ
|
+$32.5M |
$200.3M
-0.0% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
0.8%
+519.6% YoY-12.5% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
56% |
| NIM |
3.7%
+8.2% YoY+1.3% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
55% |
| Efficiency Ratio |
74.6%
-10.3% YoY-1.6% QoQ
|
-2.6% |
77.3%
-3.0% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.9%
-6.8% YoY-30.6% QoQ
|
+0.0 |
0.9%
+7.6% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
65% |
| Loan To Share |
79.5%
+0.7% YoY+4.2% QoQ
|
+6.8% |
72.7%
-1.5% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$21,069
+8.0% YoY+1.5% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
42% |
| CD Concentration |
27.7%
+11.9% YoY+4.0% QoQ
|
+3.3% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
24.8%
+10.4% YoY+10.6% QoQ
|
+10.9% |
14.0%
-5.7% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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)