Charter 66365 · Lowell, MA
Align Credit Union
Align Credit Union is a state-chartered credit union in Lowell, Massachusetts, with $651 million in assets and 26,942 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.67%, above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $651 million
- -0.2% in a year
- Members
- 26,942
- -3.1% in a year
- Net worth ratio
- 8.67%
- Peer median 10.79%
- Loans 60+ days late
- 1.46%
- Peer median 0.67%
- Loans outstanding
- $417 million
- +8.2% in a year
- Shares and deposits
- $557 million
- -1.6% in a year
- Branches
- 6
- 111 employees
- Opened
- 1922
- Massachusetts charter
How Align Credit Union compares
NCUA groups credit unions by size; Align Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 8.67% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.46%, is higher than the group median of 0.67%. Loans grew 8.2% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 24 of 121 credit unions headquartered in Massachusetts. See all Massachusetts credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $651 million | 26,942 | $417 million | 8.67% | 1.46% |
| Q1 2026 | $642 million | 26,989 | $407 million | 8.89% | 1.64% |
| Q4 2025 | $647 million | 27,024 | $401 million | 8.95% | 1.89% |
| Q3 2025 | $647 million | 27,762 | $391 million | 9.20% | 1.71% |
| Q2 2025 | $652 million | 27,804 | $385 million | 9.21% | 0.75% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 3.7 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for Align Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Corporate Office (main office)
87 Hale St, Lowell, MA 01851 - Framingham Branch
235 Old Connecticut Path, Framingham, MA 01701 - Danvers Branch
110 Newbury St, Danvers, MA 01923 - Haverhill Branch
20 Cushing Ave, Haverhill, MA 01830 - Amesbury
19 Haverhill Rd, Amesbury, MA 01913 - Seabrook, NH Branch
68 Lafayette Rd, Seabrook, NH 03874
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology