| Weiss Ratings |
Beginnings Credit Union
Ithaca, NY |
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| Rating | ||||
| Asset Quality Index | 8.00 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.40 | |||
| Profitability Index | 2.10 | |||
| Stability Index | 8.20 | |||
| Company Info |
Beginnings Credit Union
Ithaca, NY |
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| NCUA Charter Number | 91 | |||
| Phone Number | (607) 257-8500 | |||
| Website | www.beginnings.com | |||
| Asset Quality |
Beginnings Credit Union
Ithaca, NY |
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| 1-Year Asset Growth | 2.72% | |||
| 5-Year Asset Growth | 5.61% | |||
| 5-Year Charge-Offs to Average Loans | 0.40% | |||
| Charge-Offs to Average Loans | 0.51% | |||
| Non-Performing Assets to Assets | 0.77% | |||
| Non-Performing Loans to Capital | 4.58% | |||
| Non-Performing Loans to Loans | 0.86% | |||
| Balance Sheet |
Beginnings Credit Union
Ithaca, NY |
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| Total Assets | 1.44B | |||
| Total Deposits | 1.23B | |||
| Capital and Reserves |
Beginnings Credit Union
Ithaca, NY |
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| Capital | 189.86M | |||
| Leverage Ratio | 14.12 | |||
| Loan Loss Reserves to Loans | 0.94% | |||
| Liquidity |
Beginnings Credit Union
Ithaca, NY |
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| Hot Money Ratio | 14.53% | |||
| Liquidity Ratio | 19.71% | |||
| Profitability |
Beginnings Credit Union
Ithaca, NY |
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| 5-Year Return on Average Assets | 0.45% | |||
| Net Income | 4.42M | |||
| Net Interest Spread | 4.01% | |||
| Operating Profit to Average Assets | 0.59% | |||
| Overhead Efficiency Ratio | 88.62% | |||
| Return on Assets | 0.61% | |||
| Return on Equity | 4.77% | |||