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
- CHARTER 54/100
- NCUSIF 9.8%
- CAMELS 6.03%
- HEALTH 0.21%
- NW $163.8M
- DELQ 12,490
- ROA #4,205/4,374
- ASSETS LATAH
- MEM 23283
Call Report peers
ALTERNATIVES in the assets neighbourhood
ALTERNATIVES's $163.8M assets sit next to LATAH ($164.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
ALTERNATIVES - Share Insurance Coverage
Charter #23283's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where ALTERNATIVES diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 64.50% here, 72.20% peer average (-7.70 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How ALTERNATIVES's 5300 filing moved
ALTERNATIVES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $163.8M (2025Q4) to $162.0M (2026Q1).
- Net-worth ratio shifted -0.19 pp (9.95% → 9.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 54.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for ALTERNATIVES, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($163.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (54/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ALTERNATIVES financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, ALTERNATIVES carries a financial health score of 54/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,205 of 4,374; by total assets it ranks #1,427 of 4,374 nationally (same basis as /rankings/largest); and #65 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.76% net worth ratio and a 6.03% delinquency rate.
How does ALTERNATIVES compare to other credit unions?
Five weighted metrics from NCUA filings produce ALTERNATIVES's 54/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like ALTERNATIVES are 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."
What rates does ALTERNATIVES offer compared to banks?
Credit unions like ALTERNATIVES are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ALTERNATIVES directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.