Voyage Federal Credit Union
Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 10.6. A current level of 4.3 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (8.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 15.2 percent and a “hot money” ratio of 10.3 percent.
Asset Mix:
Consumer loans (35%), home mtgs (23%), securities (7%), other (36%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
3823 South Kiwanis Circle
Sioux Falls, SD 57105
Sioux Falls, SD 57105
Phone Number
(605) 338-2533
NCUA Charter Number
Website
Largest Competitors
Rapid City, SD
Huron, SD
Sioux Falls, SD
Sioux Falls, SD
Sioux Falls, SD