ALIGN
State-Chartered • Lowell, Massachusetts • Est. 1922
Quick Facts
- Charter Number
- #66365
- Type
- State-Chartered
- Established
- 1922
- Headquarters
- Lowell, Massachusetts 01851
- Address
- 87 Hale St
- Branches
- 6
- ATMs
- 8
- Members
- 27,024
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
27,024 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ALIGN |
|---|---|
| Total Assets | $647.3M |
| Members | 27,024 |
| Loans Outstanding | $401.2M |
| Shares & Deposits | $558.6M |
| Net Worth | $57.9M |
| Net Worth Ratio | 8.95% |
| Loan-to-Share Ratio | 71.8% |
| Delinquency Rate | 1.89% |
| Net Income | $-3,681,153 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 8 ATMs
Corporate Office
Main Office87 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
Who Can Join ALIGN?
Membership Type: Community
Membership eligibility for ALIGN may vary. Contact the credit union directly to confirm qualification requirements.
Contact ALIGN directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Massachusetts RankingsFrequently Asked Questions
Yes. ALIGN is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ALIGN has 27,024 members and a potential membership field of 3,676,130 people.
ALIGN's net worth ratio is 8.95% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 8.9%, ALIGN meets this threshold.
ALIGN operates 6 branch locations and has access to 8 ATMs. The main office is located at 87 Hale St, Lowell, MA 01851.
ALIGN was established in 1922. It is a state-chartered credit union chartered under charter number 66365. The institution has been serving members for 104 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ALIGN. All financial data is for informational purposes only.