Federal credit union · Ithaca, New York · NCUA charter #23283
ALTERNATIVES
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $163.8M
- Total assets
- 12,490
- Members
- 9.8%
- Net-worth ratio
ALTERNATIVES scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $163.8M; members 12,490; net-worth ratio 9.76%; health rank #4,205 of 4,374; healthier than 4th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,205 of 4,374 health · 2025Q4ALTERNATIVES · health 54/100 · $163.8M · 2025Q4
Call Report peers
ALTERNATIVES in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ALTERNATIVES vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ALTERNATIVES sits in 50-54 with 82 others.
54 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where ALTERNATIVES diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 64.50% here, 72.20% peer average (-7.70 pp).
ALTERNATIVES in New York
- New York health ordinal: #258 of 272.
- New York assets place: #65 of 272.
- Member book place in New York: #63 of 272.
- One place up in New York, St. John United (#257) scores 55/100, 1 point higher; one place down, Urban Upbound (#259) ties at 54/100.
How ALTERNATIVES's 5300 filing moved
ALTERNATIVES: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $163.8M (2025Q4) to $162.0M (2026Q1).
- Net-worth ratio shifted -0.19 pp (9.95% → 9.76%).
9.76% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 54/100 score is built
ALTERNATIVES gives up 46 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio loses the least, 0.6.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 0.0 pts
- Return on Assets 10.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.9 pts
ALTERNATIVES vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.76% | -2.35 pp |
| Delinquency Rate | 6.03% | +5.14 pp |
| Return on Assets | 0.21% | -0.41 pp |
| Member Growth | -5.13% | - |
| Loan-to-Share Ratio | 64.50% | -7.70 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
ALTERNATIVES filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $162.0M | - |
| 2025Q4 | $163.8M | 12,490 |
| 2024Q4 | $166.3M | 13,166 |
| 2023Q4 | $150.6M | 10,523 |
Credit Union Details
- Charter Number
- 23283
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Ithaca
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for ALTERNATIVES, spread across 2 cities.
| Office | City |
|---|---|
| Alternatives Federal Credit Union (Main Office) | Ithaca, NY |
| Alternatives Federal Credit Union | Rochester, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- ALTERNATIVES ranks #4,205 of 4,374 nationally on financial health and #258 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tonawanda Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tonawanda Valley
Frequently Asked Questions
Is ALTERNATIVES financially healthy?
On its 2025Q4 NCUA 5300 filing, ALTERNATIVES scores 54/100 (Fair), with a 9.76% net worth ratio and 6.03% of loans delinquent. It ranks #4,205 of 4,374 nationally on health and #258 of 272 in New York.
How does ALTERNATIVES compare to other credit unions?
ALTERNATIVES scores 54/100, higher than 4% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (64.50% vs 72.20%).
How can I join ALTERNATIVES?
ALTERNATIVES operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ALTERNATIVES directly for the exact boundaries and application steps.
Is my money safe at ALTERNATIVES?
ALTERNATIVES is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ALTERNATIVES's net worth ratio of 9.76% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.