VOYAGE
Charter #3458 · Sioux Falls, SD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.79% sits at the 89th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 38th — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VOYAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $282.43M | 71th pct | 64th pct |
| Members | 19,670 | 76th pct | 67th pct |
| Net worth ratio | 9.87% | 26th pct | 34th pct |
| Return on average assets | 0.96% | 67th pct | 67th pct |
| Net interest margin | 3.74% | 55th pct | 38th pct |
| Cost of funds | 1.79% | 80th pct | 89th pct |
| Loan-to-share | 76.34% | 59th pct | 49th pct |
| Delinquency 60+ days | 0.75% | 61th pct | 52th pct |
| Net charge-off ratio | 0.44% | 57th pct | 49th pct |
| Loan growth YoY | 1.97% | 66th pct | 56th pct |
| Share growth YoY | 6.23% | 82th pct | 84th pct |
| Efficiency ratio | 74.33% | 35th pct | 34th pct |
structural peer set hash: d6aa433bccefd7ccff99a36f4f94536c… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.