State credit union · Lowell, Massachusetts · NCUA charter #66365
ALIGN
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $647.3M
- Total assets
- 27,024
- Members
- 8.9%
- Net-worth ratio
ALIGN scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $647.3M; members 27,024; net-worth ratio 8.89%; health rank #4,096 of 4,374; healthier than 6th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,096 of 4,374 health · 2025Q4ALIGN · health 59/100 · $647.3M · 2025Q4
Call Report peers
ALIGN in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ALIGN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ALIGN sits in 55-59 with 115 others.
59 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ALIGN: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 71.82% here, 83.90% peer average (-12.08 pp).
ALIGN in Massachusetts
- Health composite ranks #120 of 126 among scored Massachusetts credit unions.
- Massachusetts assets place: #25 of 126.
- Membership ranks #26 of 126 among Massachusetts CUs with a reported count (27,024 members).
- One place up in Massachusetts, WORKERS (#119) scores 61/100, 2 points higher; one place down, Community Credit Union of Lynn (#121) scores 58/100, 1 point lower.
ALIGN Call Report trajectory
ALIGN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $647.3M (2025Q4) to $642.1M (2026Q1).
- Net-worth ratio shifted -0.06 pp (8.95% → 8.89%).
At 8.89%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 59/100 score is built
ALIGN gives up 41 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 27.2 pts
- Delinquency Rate 13.3 pts
- Return on Assets 0.0 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 15.2 pts
ALIGN health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.89% | -2.29 pp |
| Delinquency Rate | 1.89% | +1.01 pp |
| Return on Assets | -1.29% | -1.80 pp |
| Member Growth | -3.15% | - |
| Loan-to-Share Ratio | 71.82% | -12.08 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
ALIGN filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $642.1M | - |
| 2025Q4 | $647.3M | 27,024 |
| 2024Q4 | $668.1M | 27,904 |
| 2023Q4 | $707.0M | 28,102 |
Credit Union Details
- Charter Number
- 66365
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Lowell
- Data Quarter
- 2025Q4
Branch Locations (6)
ALIGN operates 6 offices across 6 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Lowell, MA |
| Amesbury | Amesbury, MA |
| Danvers Branch | Danvers, MA |
| Framingham Branch | Framingham, MA |
| Haverhill Branch | Haverhill, MA |
| Seabrook, NH Branch | Seabrook, NH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
ALIGN nationwide neighbourhoods
Using this data
- ALIGN ranks #4,096 of 4,374 nationally on financial health and #120 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Citizens' is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Citizens'
Frequently Asked Questions
Is ALIGN financially healthy?
On its 2025Q4 NCUA 5300 filing, ALIGN scores 59/100 (Fair), with a 8.89% net worth ratio and 1.89% of loans delinquent. It ranks #4,096 of 4,374 nationally on health and #120 of 126 in Massachusetts.
How does ALIGN compare to other credit unions?
ALIGN scores 59/100, higher than 6% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (71.82% vs 83.90%).
How can I join ALIGN?
Membership eligibility for ALIGN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ALIGN directly for current membership requirements and application steps.
Is my money safe at ALIGN?
ALIGN is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ALIGN's net worth ratio of 8.89% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.