Credit union
Voyage Federal Credit Union
Sioux Falls, South Dakota, Minnehaha County, SD
$285M in total assets and 19,806 members, the 1,069th largest of 4,298 US credit unions and 4th of 33 headquartered in South Dakota.
- NCUA charter
- 3458
- Charter
- Federal
- Chartered
- 1939
- NCUA insured since
- 1971
- Field of membership
- Community credit unions
- Website
- https://www.voyagefcu.org/
At a glance
Compared with 10 federally insured credit unions in South Dakota with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $285M | 80% | $205M | |
| Loans | $194M | 80% | $146M | |
| Deposits (shares) | $250M | 80% | $180M | |
| Members | 19,806 | 80% | 12,450 | |
| Return on assets | 1.00% | 70% | 0.83% | |
| Net interest income to assets | 3.81% | 40% | 3.92% | |
| Efficiency ratio | 72.9% | 30% | 76.6% | |
| Net worth ratio | 10.03% | 60% | 9.60% | |
| Loans to shares | 78% | 50% | 77% | |
| Cost of deposits | 1.76% | 60% | 1.53% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 13.0% a year over 10 years and 11.9% a year over the last 5, including 3 mergers in the last 10 years. Membership grew 1.4% a year over 5 years, to 19,806.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Sep 2023 | First Century Federal Credit Union Credit union, Sioux Falls, SD | $28M |
| May 2023 | Vermillion Federal Credit Union Credit union, Vermillion, SD | $28M |
| Jun 2021 | Good Samaritan Federal Credit Union Credit union, Sioux Falls, SD | $27M |
| Aug 2011 | Midwest Partners Federal Credit Union Credit union, Sioux Falls, SD | $30M |
Where they operate
4 branches in 2 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Minnehaha County, SD | 3 | 3.0% | 9 of 31 |
| Clay County, SD | 1 | 12.5% | 1 of 8 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 4 | |
| 2017 | 4 | 0 |
| 2018 | 3 | −1 |
| 2019 | 3 | 0 |
| 2020 | 3 | 0 |
| 2021 | 3 | 0 |
| 2022 | 4 | +1 |
| 2023 | 5 | +1 |
| 2024 | 5 | 0 |
| 2025 | 4 | −1 |
| Jun 2026 | 4 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.83% | 0.53% |
| Net worth ratio | 10.03% | 9.60% |
| Loans to shares | 78% | 77% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in South Dakota
Most branches in Minnehaha County, SD
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.