State credit union · Ithaca, New York · NCUA charter #68322
BEGINNINGS
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $1.51B
- Total assets
- 75,152
- Members
- 13.7%
- Net-worth ratio
BEGINNINGS scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.51B; members 75,152; net-worth ratio 13.69%; health rank #2,256 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,256 of 4,374 health · 2025Q4BEGINNINGS · health 83/100 · $1.51B · 2025Q4
Call Report peers
BEGINNINGS in the assets neighbourhood
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BEGINNINGS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BEGINNINGS sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
BEGINNINGS: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +2.51 pp (13.69% vs 11.18%).
- Largest lag: Loan-to-Share Ratio at 81.67% vs peer 83.90% (-2.23 pp).
BEGINNINGS: in-state Call Report ranks
- New York health ordinal: #125 of 272.
- New York assets place: #18 of 272.
- New York membership ordinal: #20 of 272.
- One place up in New York, N Y Team (#124) scores 84/100, 1 point higher; one place down, Ny Firefighters Bravest (#126) ties at 83/100.
BEGINNINGS Call Report trajectory
BEGINNINGS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $1.51B (2025Q4) to $1.51B (2026Q1).
- Net-worth ratio shifted +0.07 pp (13.62% → 13.69%).
13.69% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
BEGINNINGS gives up 17 points in total. Member Growth costs the most, 10.5 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.2 pts
- Return on Assets 13.0 pts
- Member Growth 4.5 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.69% | +2.51 pp |
| Delinquency Rate | 0.98% | +0.11 pp |
| Return on Assets | 0.37% | -0.14 pp |
| Member Growth | -2.49% | - |
| Loan-to-Share Ratio | 81.67% | -2.23 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.51B | - |
| 2025Q4 | $1.51B | 75,152 |
| 2024Q4 | $1.44B | 77,071 |
| 2023Q4 | $1.45B | 80,057 |
Credit Union Details
- Charter Number
- 68322
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- New York
- City
- Ithaca
- Data Quarter
- 2025Q4
Branch Locations (16)
BEGINNINGS operates 16 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 1030 Craft Road (Main Office) | Ithaca, NY |
| Camillus | Camillus, NY |
| C-NS Northstars Branch | Cicero, NY |
| Route 281 Cortland | Cortland, NY |
| Port Watson Street | Cortland, NY |
| East Syracuse | East Syracuse, NY |
| ESM Spartan Branch | East Syracuse, NY |
| Campus Store | Ithaca, NY |
| Ithaca College | Ithaca, NY |
| East Hill | Ithaca, NY |
| Meadow Street | Ithaca, NY |
| Triphammer | Ithaca, NY |
| 1050 Craft Rd | Ithaca, NY |
| Commons Branch | Ithaca, NY |
| North Syracuse | North Syracuse, NY |
| Kingdom Plaza | Waterloo, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
BEGINNINGS nationwide neighbourhoods
Similar total assets
Using this data
- BEGINNINGS ranks #2,256 of 4,374 nationally on financial health and #125 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Summit is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Summit
Frequently Asked Questions
Is BEGINNINGS financially healthy?
BEGINNINGS has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,256 of 4,374 nationally on health and #125 of 272 in New York. Its net worth ratio is 13.69% and its delinquency rate 0.98%.
How does BEGINNINGS compare to other credit unions?
BEGINNINGS scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.69% vs 11.18%). Its widest shortfall is loan-to-share ratio (81.67% vs 83.90%).
How can I join BEGINNINGS?
Membership eligibility for BEGINNINGS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact BEGINNINGS directly for current membership requirements and application steps.
Is my money safe at BEGINNINGS?
BEGINNINGS is a state-chartered 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. BEGINNINGS's net worth ratio of 13.69% 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.