Total Assets
$161.4M
Total Deposits
$144.5M
Branches
2
Established
1978
ALTERNATIVES is a credit union headquartered in Ithaca, New York, established in 1978. It holds $161.4M in total assets across 2 branch locations. In our editorial opinion, based on public FDIC/NCUA data, ALTERNATIVES earns a TFS Financial Health Grade of F (38.1/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
38.1 / 100
Poor 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 June 30, 2026. Updated by TFS September 26, 2026. Data sourced from NCUA Call Reports as of 2026-Q2. 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 |
|---|---|---|---|---|
| Alternatives Federal Credit UnionHQ | 125 N Fulton St | Ithaca | NY | Full Service |
| Alternatives Federal Credit Union | 1275 Lexington Ave | Rochester | 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 and OCC enforcement records; NCUA catalog monitored. 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
38.1
Net worth ratio
8.83%
Return on assets
-1.01%
60+ day delinquency
4.71%
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.