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 Rd
- Branches
- 16
- ATMs
- 4
- Members
- 75,357
- Membership Type
- Community
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 10% and a delinquency rate below 1%. 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
75,357 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BEGINNINGS |
|---|---|
| Total Assets | $1.5B |
| Members | 75,357 |
| Loans Outstanding | $1.0B |
| Shares & Deposits | $1.3B |
| Net Worth | $206.2M |
| Net Worth Ratio | 13.69% |
| Loan-to-Share Ratio | 81.7% |
| Delinquency Rate | 0.60% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
16 locations · 4 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.
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
BEGINNINGS 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, BEGINNINGS has 75,357 members and a potential membership field of 903,450 people.
BEGINNINGS's reported net worth ratio is 13.69% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
BEGINNINGS operates 16 branch locations and has access to 4 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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or BEGINNINGS. All financial data is for informational purposes only.