ALTERNATIVES
Federal • Ithaca, New York • Est. 1978
Quick Facts
- Charter Number
- #23283
- Type
- Federal
- Established
- 1978
- Headquarters
- Ithaca, New York 14850-3301
- Address
- 125 N Fulton St
- Branches
- 2
- ATMs
- 2
- Members
- 12,263
- Membership Type
- Occupational
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 5% and a delinquency rate below 4%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
12,263 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ALTERNATIVES |
|---|---|
| Total Assets | $162.0M |
| Members | 12,263 |
| Loans Outstanding | $92.8M |
| Shares & Deposits | $145.1M |
| Net Worth | $15.8M |
| Net Worth Ratio | 9.76% |
| Loan-to-Share Ratio | 63.9% |
| Delinquency Rate | 3.72% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations · 2 ATMs
Alternatives Federal Credit Union
Main Office125 N Fulton St
Ithaca, NY 14850-3301
Alternatives Federal Credit Union
1275 Lexington Ave
Rochester, NY 14606
Who Can Join ALTERNATIVES?
Membership Type: Occupational
Membership eligibility for ALTERNATIVES may vary. Contact the credit union directly to confirm qualification requirements.
Contact ALTERNATIVES directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
ALTERNATIVES is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, ALTERNATIVES has 12,263 members and a potential membership field of 884,052 people.
ALTERNATIVES's reported net worth ratio is 9.76% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
ALTERNATIVES operates 2 branch locations and has access to 2 ATMs. The main office is located at 125 N Fulton St, Ithaca, NY 14850-3301.
ALTERNATIVES was established in 1978. It is a federal credit union chartered under charter number 23283. The institution has been serving members for 48 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or ALTERNATIVES. All financial data is for informational purposes only.