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P.O. Box 88538
Sioux Falls, SD 57105

Voyage Federal Credit Union is headquartered in Sioux Falls and is the 9th largest credit union in the state of South Dakota. It is also the 1,834th largest credit union in the nation. It was established in 1939 and as of December of 2013, it had grown to 24 employees and 10,107 members. Voyage Federal Credit Union's savings rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Voyage Federal Credit Union membership is open to anyone who lives, works, worships, or attends school, and businesses and other legal entities located within the counties of Minnehaha or Lincoln Counties, South Dakota. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Voyage Federal Credit Union has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Voyage Federal Credit Union had $140,000 in non-current loans and owned real-estate with $7.76 million in equity and loan loss allowances on hand to cover it. This gives Voyage Federal Credit Union a Texas Ratio of 1.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Voyage Federal Credit Union decreased slightly from 2.03% as of December 31, 2012 to 1.80% as of December 31, 2013, resulting in a positive change of 10.92%.This indicates that the balance sheet and financial strength for Voyage Federal Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Voyage Federal Credit Union has increased its total deposits by $1.44 million, resulting in 2.27% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Voyage Federal Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Voyage Federal Credit Union has $72.38 million in assets with $7.76 million in equity, resulting in a capitalization level of 10.72%, which is above average.

Institution Statistics

NCUA #3458
Year Chartered1939
Primary Regulator
Assets and Liabilities
Assets$72.38 million
Loans$53.29 million
Deposits$64.96 million
Equity Capital$7.34 million
Loan Loss Allowance$417,000
Unbacked Noncurrent Loans$140,000
Real Estate Owned$0
Historic Data - December 2012
Assets$70.61 million
Equity Capital$6.96 million
Loan Loss Allowance$401,000
Unbacked Noncurrent Loans$140,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.47%
Return on Assets0.53%
Return on Equity5.27%
Interest Income$2.77 million
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Voyage Federal Credit Union Savings Account Rates

1.26%$200k-IRA Shares
1.26%$200k-Roth IRA Shares
0.15%$100-Holiday Club
0.10%$100-Regular Shares
0.10%--Youth Club

Voyage Federal Credit Union Money Market Rates

0.25%$25k-Money Market

Voyage Federal Credit Union CD Rates

1.31%$10k-60 Month Share Certificate
1.11%$10k-48 Month Share Certificate
0.80%$10k-36 Month Share Certificate
0.65%$10k-24 Month Share Certificate
0.50%$10k-18 Month Share Certificate
0.45%$10k-12 Month Share Certificate
0.25%$10k-6 Month Share Certificate
0.20%$10k-3 Month Share Certificate

Voyage Federal Credit Union IRA Rates

1.31%$10k-60 Month IRA Share Certificate (Traditional,Roth)
1.11%$10k-48 Month IRA Share Certificate (Traditional,Roth)
0.80%$10k-36 Month IRA Share Certificate (Traditional,Roth)
0.65%$10k-24 Month IRA Share Certificate (Traditional,Roth)
0.50%$10k-18 Month IRA Share Certificate (Traditional,Roth)
0.45%$10k-12 Month IRA Share Certificate (Traditional,Roth)

Voyage Federal Credit Union Locations
Branch Office1325 S Cliff Ave Rm 1520Sioux Falls, SD 57105-1007
Branch Office3823 S Kiwanis CirSioux Falls, SD 57105
Branch Office4409 E 26th StSioux Falls, SD 57103
Branch Office124 S Kiwanis AveSioux Falls, SD 57104