ALTERNATIVES Credit Union Profile

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ALTERNATIVES

Charter #23283 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (607) 273-4611

Fax: (607) 277-6391

Founding Date: N/A

Website: http://www.alternatives.org

Personnel & Operations

President: DeYoung, Brian

Manager: Mietlicki, Kevin

FT Employees: 58

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 98

Branches: 2

Hours: Monday-Friday, 9:00am - 6:00pm Saturday, 1

Credit Union Profile Summary

ALTERNATIVES is a FCU Credit Union. With a total of 12,969 members [1], this institution manages approximately $167,423,164 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.02% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -8.05% [1].

Financial Snapshot

Total Assets [1]
$167,423,164

Total economic resources.

Total Loans [1]
$91,413,065

Total value of outstanding loans.

Total Deposits [1]
$147,939,394

Total funds deposited by members.

Members [1]
12,969

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.02%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.19%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
61.79%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -0.52%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -8.05%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -3.55%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

125 N Fulton St

Ithaca, NY, 14850-3301
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by ALTERNATIVES (Charter #23283).

Main Office

Alternatives Federal Credit Union Main Office

Type: Corporate Office

125 N Fulton St

Ithaca, NY 14850-3301

Phone: (607) 273-4611

Services: Member Services, ATM, Drive-Thru

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