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 Street
- Branches
- 2
- ATMs
- 2
- Members
- 12,490
- Membership Type
- Occupational
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
At-risk financial position. Significant capital or earnings challenges. Deposits remain federally insured up to $250,000 by the NCUA.
Financial Overview
Total Assets
Members
12,490 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ALTERNATIVES |
|---|---|
| Total Assets | $163.8M |
| Members | 12,490 |
| Loans Outstanding | $94.6M |
| Shares & Deposits | $146.6M |
| Net Worth | $16.3M |
| Net Worth Ratio | 9.95% |
| Loan-to-Share Ratio | 64.5% |
| Delinquency Rate | 6.03% |
| Net Income | +$341,969 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View New York RankingsFrequently Asked Questions
Yes. ALTERNATIVES is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ALTERNATIVES has 12,490 members and a potential membership field of 884,052 people.
ALTERNATIVES's net worth ratio is 9.95% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.9%, ALTERNATIVES meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ALTERNATIVES. All financial data is for informational purposes only.