BEGINNINGS
Charter #68322 · Ithaca, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.69% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.09% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.26% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 92.96% sits at the 97th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 59th — a 35-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BEGINNINGS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.51B | 32th pct | 61th pct |
| Members | 75,357 | 24th pct | 59th pct |
| Net worth ratio | 13.69% | 88th pct | 93th pct |
| Return on average assets | 0.09% | 6th pct | 2th pct |
| Net interest margin | 3.28% | 46th pct | 31th pct |
| Cost of funds | 1.26% | 28th pct | 25th pct |
| Loan-to-share | 81.69% | 36th pct | 36th pct |
| Delinquency 60+ days | 0.60% | 47th pct | 54th pct |
| Net charge-off ratio | 0.46% | 42th pct | 66th pct |
| Loan growth YoY | -0.35% | 22th pct | 26th pct |
| Share growth YoY | 3.70% | 42th pct | 49th pct |
| Efficiency ratio | 92.96% | 98th pct | 97th pct |
structural peer set hash: 94c75816290b27ea2022f2b1c5861ccd… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.