NCUA merger report, Q4 2025
Westar merger into Beginnings Credit Union
NCUA's Merger Activity and Insurance Report for Q4 2025 lists Westar, of Camillus, NY, as merging into Beginnings Credit Union, of Ithaca, NY. NCUA records the reason as "expanded services". Westar last filed a call report for Q1 2026, with $33.2M in assets and 1,751 members.
Members of Westar become members of Beginnings Credit Union. Watch for its notice on new account numbers, cards and online banking.
The two credit unions side by side
| Measure | WestarQ1 2026 | Beginnings Credit UnionQ2 2026 |
|---|---|---|
| Assets | $33.2M | $1.5B |
| Members | 1,751 | 77,622 |
| Net worth ratio | 10.37% | 14.01% |
| Offices | – | 15 |
| Paid on deposits | – | 1.19% |
| New auto loan rate | – | 5.50% |
| Fee income per member | – | $77 |
Figures for Westar are from its call report for Q1 2026; this page carries only its size and capital. Assets for the report quarter: $32.5M merging, $1.5B continuing.
On our member-value score, built only from call-report data, Beginnings Credit Union scores 42.6 out of 100.
Beginnings Credit Union offices near Camillus
From NCUA's branch file for Q2 2026, in Camillus first and then elsewhere in NY. Every Beginnings Credit Union location
Camillus, NY 1
- Camillus 2565 Hambletonian Way, Camillus, NY 13031 Drive-through · ATM
Cortland, NY 2
- Port Watson Street 182 Port Watson St, Cortland, NY 13045 Drive-through
- Route 281 Cortland 3910 State Route 281, Cortland, NY 13045 Drive-through
Ithaca, NY 5
- 1030 Craft Road 1030 Craft Rd, Ithaca, NY 14850 Main office
- Campus Store 15 Central Ave, Ithaca, NY 14853
- East Hill 1022 Ellis Hollow Rd, Ithaca, NY 14850
- Ithaca College 953 Danby Rd, Ithaca, NY 14850
- Meadow Street 409 N Meadow St # 13, Ithaca, NY 14850 Drive-through
Source: NCUA Merger Activity and Insurance Report, Q4 2025, and NCUA 5300 call reports. The report quarter is when the approval was listed; the merger may take effect later. Not affiliated with NCUA or either credit union. · All recent mergers · Beginnings Credit Union full figures
Questions people ask
Did Westar merge?
Yes. NCUA's Merger Activity and Insurance Report for Q4 2025 lists Westar, of Camillus, NY, as merging into Beginnings Credit Union, of Ithaca, NY. Its last call report was for Q1 2026.
Why did Westar merge?
NCUA records the reason as "expanded services". That is the category NCUA's report gives; the credit unions' own merger notice to members explains it in more detail.
What happens to my Westar account?
Members and their accounts move to Beginnings Credit Union, which becomes your credit union. Account numbers, the routing number, cards, checks and online banking can change; the notice Beginnings Credit Union sends members gives the dates. Keep using your current details until it tells you otherwise.
Is my money still insured?
Yes. Beginnings Credit Union is federally insured by NCUA, which covers deposits up to $250,000 per owner, per insured credit union, for each account ownership category. If you also had accounts at Beginnings Credit Union before the merger, your balances are now at one credit union.