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Overview / Commentary
40 Market St
Lowell, MA 01852

Align Credit Union is headquartered in Lowell and is the 15st largest credit union in the state of Massachusetts. It is also the 407th largest credit union in the nation. It was established in 1922 and as of March of 2014, it had grown to 112 employees and 25,351 members. Align Credit Union's savings rates are 44% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

NMTW Community Credit Union membership is open to anyone that lives, works, or attends school in Middlesex or Essex Counties in Massachusetts, several cities and towns within Norfolk and Worcester Counties in Massachusetts, and Rockingham and Hillsborough Counties in New Hampshire. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Align Credit Union had $1.74 million in non-current loans and owned real-estate with $65.19 million in equity and loan loss allowances on hand to cover it. This gives Align Credit Union a Texas Ratio of 2.66% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Align Credit Union decreased dramatically from 4.19% as of March 31, 2013 to 2.66% as of March 31, 2014, resulting in a positive change of 36.43%.This indicates that the balance sheet and financial strength for Align Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Align Credit Union has decreased its total deposits by -$3.34 million, resulting in -0.8% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Align Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Align Credit Union has $547.99 million in assets with $65.19 million in equity, resulting in a capitalization level of 11.90%, which is excellent.

Institution Statistics

NCUA #66365
Year Chartered1922
Primary Regulator
Assets and Liabilities
Assets$547.99 million
Loans$287.16 million
Deposits$415.78 million
Equity Capital$63.30 million
Loan Loss Allowance$1.89 million
Unbacked Noncurrent Loans$1.73 million
Real Estate Owned$6,000
Historic Data - March 2013
Assets$554.73 million
Equity Capital$71.53 million
Loan Loss Allowance$2.74 million
Unbacked Noncurrent Loans$1.73 million
Real Estate Owned$318,000
Profit Margin - Quarterly
Return on Assets0.05%
Return on Equity0.4%
Interest Income$4.20 million

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Align Credit Union Savings Account Rates

0.75%--Kids Super Saver
0.75%--Teen Super Saver
0.75%--Student Super Saver
0.40%$25-IRA Variable Account
0.40%$25-SEP IRA Variable Account
0.40%$25-Business IRA Variable Account
0.25%--Business Savings
0.25%$25-Share Savings
0.25%$25-My Goal Savings

Align Credit Union Money Market Rates

0.50%$100k-Tiered Money Manager Account
0.50%$50k-Business Money Market Account

Align Credit Union Checking Account Rates

0.25%--Benefit Checking
0.25%--Student Checking
0.10%--Commercial Checking

Align Credit Union CD Rates

2.05%$500-Business 5 Year CD
1.85%$500-5 Year CD
1.81%$500-Business 4 Year CD
1.60%$500-4 Year CD
1.40%$500-Business 3 Year CD
1.20%$500-3 Year CD
1.15%$500-Business 2 1/2 Year CD
1.00%$500-Business 2 Year CD
0.94%$500-2 1/2 Year CD
0.85%$500-Business 1 1/2 Year CD
0.80%$500-2 Year CD
0.65%$500-1 1/2 Year CD
0.65%$500-Business 1 Year CD
0.55%$100$2,500Starter CD 1 Year
0.55%$500-Business 6 Month CD
0.50%$500-Business 91 Day CD
0.45%$500-1 Year CD
0.35%$500-6 Month CD
0.30%$500-91 Day CD

Align Credit Union IRA Rates

2.05%$500-5 Year IRA
2.05%$500-5 Year SEP IRA
1.81%$500-4 Year IRA
1.81%$500-4 Year SEP IRA
1.40%$500-3 Year IRA
1.40%$500-3 Year SEP IRA
1.15%$500-2 1/2 Year IRA
1.15%$500-2 1/2 Year SEP IRA
1.00%$500-2 Year IRA
1.00%$500-2 Year SEP IRA
0.85%$500-1 1/2 Year IRA
0.85%$500-1 1/2 Year SEP IRA
0.65%$500-1 Year IRA
0.65%$500-1 Year SEP IRA
0.55%$500-6 Month IRA
0.55%$500-6 Month SEP IRA
0.50%$500-91 Day IRA
0.50%$500-91 Day SEP IRA

Align Credit Union Locations
Branch Office40 Market StLowell, MA 01852
Branch Office87 Hale StLowell, MA 01851
Branch Office900 Chelmsford St Tower 2 Unit 200-3Lowell, MA 01851-8100
Branch Office969 Concord StFramingham, MA 01701
Branch Office110 Newbury StDanvers, MA 01923
Branch Office20 Cushing AveHaverhill, MA 01830
Branch Office19 Haverhill RoadAmesbury, MA 01913