BEGINNINGS
State-Chartered • Ithaca, New York • Est. 1953
Quick Facts
- Charter Number
- #68322
- Type
- State-Chartered
- Established
- 1953
- Headquarters
- Ithaca, New York 14850
- Address
- 1030 Craft Road
- Branches
- 15
- ATMs
- 3
- Members
- 75,152
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
75,152 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BEGINNINGS |
|---|---|
| Total Assets | $1.5B |
| Members | 75,152 |
| Loans Outstanding | $1.0B |
| Shares & Deposits | $1.3B |
| Net Worth | $206.0M |
| Net Worth Ratio | 13.62% |
| Loan-to-Share Ratio | 81.7% |
| Delinquency Rate | 0.98% |
| Net Income | +$13,273,436 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
15 locations · 3 ATMs
1030 Craft Road
Main Office1030 Craft Rd
Ithaca, NY 14850
Campus Store
15 Central Ave
Ithaca, NY 14853-5901
Ithaca College
953 Danby Rd
Ithaca, NY 14850-7000
Route 281 Cortland
3910 State Route 281
Cortland, NY 13045-8851
Port Watson Street
182 Port Watson St
Cortland, NY 13045-2812
Who Can Join BEGINNINGS?
Membership Type: Community
Membership eligibility for BEGINNINGS may vary. Contact the credit union directly to confirm qualification requirements.
Contact BEGINNINGS 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. BEGINNINGS 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, BEGINNINGS has 75,152 members and a potential membership field of 903,450 people.
BEGINNINGS's net worth ratio is 13.62% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.6%, BEGINNINGS meets this threshold.
BEGINNINGS operates 15 branch locations and has access to 3 ATMs. The main office is located at 1030 Craft Rd, Ithaca, NY 14850.
BEGINNINGS was established in 1953. It is a state-chartered credit union chartered under charter number 68322. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or BEGINNINGS. All financial data is for informational purposes only.