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
- CAMELS 83/100
- HEALTH 13.7%
- NW 0.98%
- DELQ 0.37%
- ROA $1.51B
- ASSETS 75,152
- MEM #2,256/4,374
- RANK FRANKENMUTH
- PHOTO 68322
Call Report peers
BEGINNINGS in the assets neighbourhood
BEGINNINGS's $1.51B assets sit next to FRANKENMUTH ($1.52B) 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.
BEGINNINGS 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
83 46th percentile higher than 46% 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
BEGINNINGS - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68322: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
BEGINNINGS Call Report trajectory
BEGINNINGS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $1.51B (2025Q4) to $1.51B (2026Q1).
- Net-worth ratio shifted +0.07 pp (13.62% → 13.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
BEGINNINGS's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.51B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- 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 BEGINNINGS financially healthy?
BEGINNINGS has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,256 of 4,374; by total assets it ranks #316 of 4,374 nationally (same basis as /rankings/largest); and #18 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.69% and delinquency rate of 0.98%.
How does BEGINNINGS compare to other credit unions?
PlainCU's health composite puts BEGINNINGS at 83/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like BEGINNINGS 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. BEGINNINGS's net worth ratio of 13.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BEGINNINGS offer compared to banks?
Credit unions like BEGINNINGS 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 BEGINNINGS 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.