Overview / Commentary
Align Credit Union is headquartered in Lowell and is the 25th largest credit union in the state of Massachusetts. It is also the 636th largest credit union in the nation. It was established in 1922 and as of March of 2025, it had grown to 117 employees and 27,857 members at 6 locations. Align Credit Union has a B+ health rating.
Field of Membership Restrictions
Align Credit Union is open to anyone who lives, works, or attends school in more than 130 cities/towns in eastern Massachusetts or 45 cities/towns in southern New Hampshire. Individuals who work for communication companies in eastern Massachusetts or southern New Hampshire also qualify for membership.
See current membership details
Health
B+
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 66365 |
| Year Chartered | 1922 |
| Employees | 117 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -1.34% |
| Return on Equity - YTD | -25.23% |
| Annual Interest Income | $6.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $657.8MM$696MM |
| Loans | Q1 2025vs Q1 2024 | $386.7MM$398.8MM |
| Deposits | Q1 2025vs Q1 2024 | $571.5MM$571.2MM |
| Equity Capital | Q1 2025vs Q1 2024 | $35.1MM$37.2MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $2.6MM$2.6MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $2.2MM$2.8MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |