TellerScore

Voyage Federal Credit Union (NCUA charter #3458) is based in Sioux Falls, South Dakota. Its Q2 2026 call report shows $285.3M in total assets and $249.6M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, Voyage Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 33 credit unions headquartered in South Dakota, it ranks 19th. Its strongest component is problem-loan coverage (88/100; 5.9%), and its lowest is capital cushion (50/100; 10.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 10.03%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.83%
Earnings59/100
Return on assets (annualized): 0.98%
Funding & liquidity83/100
Loans ÷ shares: 77.7% · 7.6% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.86%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (62 → 66), mostly because the loan quality component improved by 15 points.

TellerScore
566267Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202459
Q4 202456
Q1 202567
Q2 202562
Q3 202565
Q4 202565
Q1 202667
Q2 202666
Net worth ratio
7.00%8.84%10.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.68%
Q3 202410.43%
Q4 202410.26%
Q1 202510.17%
Q2 202510.22%
Q3 202510.15%
Q4 20259.96%
Q1 20269.87%
Q2 202610.03%
Delinquent loans (60+ days)
0.65%0.97%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.85%
Q3 20240.96%
Q4 20241.25%
Q1 20251.08%
Q2 20251.28%
Q3 20250.89%
Q4 20250.65%
Q1 20260.75%
Q2 20260.83%
Return on assets
0.09%0.64%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.14%
Q4 20240.09%
Q1 20251.19%
Q2 20250.97%
Q3 20250.84%
Q4 20250.68%
Q1 20260.95%
Q2 20260.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$285.3M10.03%0.83%0.98%77.7%
Q1 202667$282.4M9.87%0.75%0.95%76.3%
Q4 202565$273.2M9.96%0.65%0.68%79.8%
Q3 202565$267.6M10.15%0.89%0.84%79.5%
Q2 202562$261.5M10.22%1.28%0.97%76.3%
Q1 202567$260.8M10.17%1.08%1.19%74.5%
Q4 202456$249.6M10.26%1.25%0.09%78.5%
Q3 202459$247.2M10.43%0.96%0.14%79.0%
Q2 202463$242.0M10.68%0.85%0.41%80.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.03%
29th
Problem loans0.83%
40th
Net charge-offs0.38%
48th
Return on assets0.98%
64th
Loans to deposits77.7%
46th
Uninsured deposits7.6%
33rd
Loan-loss reserves0.00%
50th
Texas ratio5.9%
32nd

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Highmark Federal Credit UnionCredit union Rapid City, SD46 out of 100, Below average$257.8M7.7%1.43%vs
Service First Federal Credit UnionCredit union Sioux Falls, SD65 out of 100, Moderate$209.7M9.3%0.94%vs
Bluestone Federal Credit UnionCredit union Sioux Falls, SD68 out of 100, Moderate$205.6M9.6%0.50%vs
Northern Hills Federal Credit UnionCredit union Sturgis, SD66 out of 100, Moderate$204.9M9.6%0.29%vs
Area Federal Credit UnionCredit union Aberdeen, SD87 out of 100, Very strong$199.9M17.1%0.47%vs
Sentinel Federal Credit UnionCredit union Box Elder, SD67 out of 100, Moderate$199.3M10.8%0.71%vs

Deposit insurance

Is my money safe at Voyage Federal Credit Union?

Yes. Voyage Federal Credit Union is a federally insured credit union (NCUA charter #3458). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.6% of shares and deposits ($18.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.03%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Voyage Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Voyage Federal Credit Union reported 113 home-loan applications under HMDA (LEI 549300MVYX1L50756117): 77 originated ($11,795,000 total), 14 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Voyage Federal Credit Union
Type
Federal credit union
NCUA charter #
3458
RSSD ID
667971
Primary regulator
NCUA
Established
1939
Headquarters
PO Box 88538, Sioux Falls, SD 57105
Employees
53

Quick answers

Voyage Federal Credit Union: common questions

Is Voyage Federal Credit Union NCUA insured?

Yes. Voyage Federal Credit Union is a federally insured credit union (NCUA charter #3458). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Voyage Federal Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Voyage Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Sioux Falls

InstitutionScoreAssetsCapitalProblem loansCompare
Security National Bank of South DakotaBank Dakota Dunes, SD93 out of 100, Very strong$251.5M14.1%0.00%vs
Merchants State BankBank Freeman, SD91 out of 100, Very strong$219.6M17.3%0.32%vs
First PREMIER BankBank Sioux Falls, SD85 out of 100, Very strong$3.6B13.7%0.10%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%vs