BEGINNINGS
Ithaca, NY · State Credit Union · Chartered in NY
Who can join
Type 99
Members
75,357
Net Worth Ratio
13.69%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$1.51B
Peer Group 6
Members
75,357
as of latest quarter
Net Worth Ratio
13.69%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Financial Snapshot
Total Assets
$1.51B
Total Shares
$1.28B
Total Loans
$1.05B
Net Worth Ratio
13.69%
≥7% = Well Capitalized
Members
75,357
Delinquency Rate (60d+)
0.46%
$4.9M
Loan-to-share ratio: 81.7%· healthy range 60–80%
Branch Locations
NCUA1030 Craft Road
1030 Craft Rd, Ithaca, NY, 14850
Lobby Open: Mon-Fri 8:30am - 5:00pm
Campus Store
15 Central Ave, Ithaca, NY, 14853-5901
Monday - Friday: 9:00am - 4:30pm
Ithaca College
953 Danby Rd, Ithaca, NY, 14850-7000
Wednesday & Friday: 9:00am - 4:30pm
Route 281 Cortland
3910 State Route 281, Cortland, NY, 13045-8851
Drive Thru: Monday-Friday: 9am-5:30pm Branch Lobby Open Mon - Fri 9:00 am - 5:00 pm
Port Watson Street
182 Port Watson St, Cortland, NY, 13045-2812
Drive Thru: Monday-Friday: 9:00 am-5:30pm Saturday: 9:00am - 12:00pm Branch Lobby Open Monday - Friday: 9:00 am - 5:00 pm Saturday: 9:00am - 12:00pm
East Hill
1022 Ellis Hollow Rd, Ithaca, NY, 14850-2808
Branch Lobby Open Monday-Friday: 9:00 am - 5:00 pm
Meadow Street
409 N Meadow St # 13, Ithaca, NY, 14850-3226
Drive Thru: Monday-Friday: 9am-5:30pm Saturday: 9:00am-12:00pm Branch Lobby Open Mon - Fri 9:00 am - 5:00 pm
Triphammer
99 Sheraton Dr, Ithaca, NY, 14850-1601
Drive Thru: Monday-Friday: 9am-5:30pm Saturday: 9:00am-12:00pm Branch Lobby Open Mon - Fri 9:00 am - 5:00 pm Sat: 9:00am - 12:00pm
1050 Craft Rd
1050 Craft Rd, Ithaca, NY, 14850
M-F 8:30 - 5:00 pm
Commons Branch
200-204 E. State Street, Ithaca, NY, 14850
Branch Lobby Open Mon - Fri 9:00 am - 5:00 pm
6 more locations not shown.
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/beginnings" target="_blank" rel="noopener">View BEGINNINGS on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.