Charter 68322 · Ithaca, NY
Beginnings Credit Union
Beginnings Credit Union is a state-chartered credit union in Ithaca, New York, with $1.54 billion in assets and 77,622 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 14.01%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.54 billion
- +7.1% in a year
- Members
- 77,622
- +0.8% in a year
- Net worth ratio
- 14.01%
- Peer median 10.79%
- Loans 60+ days late
- 0.69%
- Peer median 0.67%
- Loans outstanding
- $1.07 billion
- +3.7% in a year
- Shares and deposits
- $1.31 billion
- +6.4% in a year
- Branches
- 15
- 231 employees
- Opened
- 1953
- New York charter
How Beginnings Credit Union compares
NCUA groups credit unions by size; Beginnings Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 14.01% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.69%, is about the same as the group median of 0.67%. Loans grew 3.7% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 18 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.54 billion | 77,622 | $1.07 billion | 14.01% | 0.69% |
| Q1 2026 | $1.51 billion | 75,357 | $1.05 billion | 13.69% | 0.60% |
| Q4 2025 | $1.51 billion | 75,152 | $1.05 billion | 13.62% | 0.98% |
| Q3 2025 | $1.45 billion | 77,088 | $1.05 billion | 14.21% | 0.97% |
| Q2 2025 | $1.44 billion | 77,026 | $1.04 billion | 14.10% | 1.03% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 903,450 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 14 sites for Beginnings Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- 1030 Craft Road (main office)
1030 Craft Rd, Ithaca, NY 14850 - Campus Store
15 Central Ave, Ithaca, NY 14853 - Ithaca College
953 Danby Rd, Ithaca, NY 14850 - Route 281 Cortland
3910 State Route 281, Cortland, NY 13045 - Port Watson Street
182 Port Watson St, Cortland, NY 13045 - East Hill
1022 Ellis Hollow Rd, Ithaca, NY 14850 - Meadow Street
409 N Meadow St # 13, Ithaca, NY 14850 - Triphammer
99 Sheraton Dr, Ithaca, NY 14850 - 1050 Craft Rd
1050 Craft Rd, Ithaca, NY 14850 - Commons Branch
200-204 E. State Street, Ithaca, NY 14850 - Kingdom Plaza
1959 Route 5 And 20, Waterloo, NY 13165 - East Syracuse
7200 Kirkville Rd, East Syracuse, NY 13057 - North Syracuse
651 Centerville Pl, North Syracuse, NY 13212 - Camillus
2565 Hambletonian Way, Camillus, NY 13031
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology