Total Assets
$1.5B
Total Deposits
$1.3B
Branches
15
Established
1953
BEGINNINGS is a credit union headquartered in Ithaca, New York, established in 1953. It holds $1.5B in total assets across 15 branch locations. In our editorial opinion, based on public FDIC/NCUA data, BEGINNINGS earns a TFS Financial Health Grade of B- (73.2/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
73.2 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through March 31, 2026. Updated by TFS August 28, 2026. Data sourced from NCUA Call Reports as of 2026-Q1. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| 1030 Craft RoadHQ | 1030 Craft Rd | Ithaca | NY | Full Service |
| C-NS Northstars Branch | 6002 NY-31 | Cicero | NY | Full Service |
| Port Watson Street | 182 Port Watson St | Cortland | NY | Full Service |
| Route 281 Cortland | 3910 State Route 281 | Cortland | NY | Full Service |
| East Syracuse | 7200 Kirkville Rd | East Syracuse | NY | Full Service |
| ESM Spartan Branch | 6400 Fremont Rd | East Syracuse | NY | Full Service |
| 1050 Craft Rd | 1050 Craft Rd | Ithaca | NY | Full Service |
| Campus Store | 15 Central Ave | Ithaca | NY | Full Service |
| Commons Branch | 200-204 E. State Street | Ithaca | NY | Full Service |
| East Hill | 1022 Ellis Hollow Rd | Ithaca | NY | Full Service |
| Ithaca College | 953 Danby Rd | Ithaca | NY | Full Service |
| Meadow Street | 409 N Meadow St # 13 | Ithaca | NY | Full Service |
| Triphammer | 99 Sheraton Dr | Ithaca | NY | Full Service |
| North Syracuse | 651 Centerville Pl | North Syracuse | NY | Full Service |
| Kingdom Plaza | 1959 Route 5 and 20 | Waterloo | NY | Full Service |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
73.2
Net worth ratio
13.69%
Return on assets
0.09%
60+ day delinquency
0.60%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.