Beginnings Credit Union
Total assets
$1.51B
▲ +3.5% YoY
Shares & deposits
$1.28B
▲ +2.8% YoY
Loans
$1.05B
▲ +3.3% YoY
Members
75,357
▼ -2.2% YoY
ROA (annualized)
0.09%
peers 0.71%
ROE (annualized)
0.63%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.1% | -1.6 pts |
| Share growth (YoY) | +2.8% | +4.9% | -2.0 pts |
| Loan growth (YoY) | +3.3% | +5.4% | -2.2 pts |
| ROA | 0.09% | 0.71% | -0.6 pts |
| ROE | 0.6% | 6.3% | -5.6 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
Profile
- Established
- 1953
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 1030 Craft Road, Ithaca, NY, 14850
- NCUA charter #
- 68322
- RSSD ID
- 272281
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.51B | $1.28B | $1.05B | $206.2M | $324K | 0.09% | 3.29% | 0.60% | 75,357 |
| Q4 2025 | $1.51B | $1.29B | $1.05B | $206.0M | $9.5M | 0.63% | 3.37% | 0.98% | 75,152 |
| Q3 2025 | $1.45B | $1.24B | $1.05B | $206.9M | $8.3M | 0.76% | 3.42% | 0.97% | 77,088 |
| Q2 2025 | $1.44B | $1.23B | $1.04B | $202.9M | $4.4M | 0.62% | 3.39% | 1.03% | 77,026 |
| Q1 2025 | $1.45B | $1.25B | $1.01B | $199.3M | $790K | 0.22% | 3.27% | 0.86% | 77,068 |
| Q4 2024 | $1.44B | $1.23B | $1.01B | $198.5M | $5.6M | 0.39% | 3.36% | 1.23% | 77,071 |
| Q3 2024 | $1.39B | $1.17B | $1.02B | $200.6M | $5.5M | 0.53% | 3.41% | 1.07% | 79,004 |
| Q2 2024 | $1.40B | $1.19B | $1.03B | $196.9M | $1.8M | 0.26% | 3.29% | 1.27% | 79,272 |
Loan mix (Q1 2026): real estate $592.7M · commercial $103.2M · consumer $289.1M · securities $220.9M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Beginnings Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.71% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 6.3% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.32% | 48th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.0% | 73.0% | 98th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Beginnings Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Beginnings Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Beginnings Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Beginnings Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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