Align Credit Union

Overview / Commentary
40 Market St
Lowell, MA 01852

Align Credit Union is headquartered in Lowell and is the 23rd largest credit union in the state of Massachusetts. It is also the 583rd largest credit union in the nation. It was established in 1922 and as of December of 2023, it had grown to 105 employees and 28,102 members at 9 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


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Health Grade Components

NCUA #66365
Year Chartered1922
Primary Regulator
Profit Margin
Return on Assets - YTD-0.49%
Return on Equity - YTD-8.67%
Annual Interest Income$18.1MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$707MM$704.2MM
LoansQ4 2023vs Q4 2022$401.9MM$384.2MM
DepositsQ4 2023vs Q4 2022$565.5MM$601.2MM
Equity CapitalQ4 2023vs Q4 2022$39.7MM$35.3MM
Loan Loss AllowanceQ4 2023vs Q4 2022$2.6MM$1.6MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$3MM$1.5MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0

Rates for Align Credit Union are currently being reviewed.


Align Credit Union Locations
Branch Office40 Market StLowell, MA 01852
Branch Office87 Hale StLowell, MA 01851
Branch Office235 Old Connecticut PathFramingham, MA 01701
Branch Office110 Newbury StDanvers, MA 01923
Branch Office20 Cushing AveHaverhill, MA 01830
Branch Office211G Lowell StWilmington, MA 01887
Branch Office19 Haverhill RdAmesbury, MA 01913
Branch Office70 East StMethuen, MA 01844-4597
Branch Office68 Lafayette RdSeabrook, NH 03874

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