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
- CHARTER 59/100
- NCUSIF 8.9%
- CAMELS 1.89%
- HEALTH -1.29%
- NW $647.3M
- DELQ 27,024
- ROA #4,096/4,374
- ASSETS CONSUMER
- MEM 66365
Call Report peers
ALIGN in the assets neighbourhood
ALIGN's $647.3M assets sit next to CONSUMER ($647.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Charter #66365's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
ALIGN: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 71.82% here, 83.90% peer average (-12.08 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ALIGN Call Report trajectory
ALIGN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $647.3M (2025Q4) to $642.1M (2026Q1).
- Net-worth ratio shifted -0.06 pp (8.95% → 8.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 59.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
ALIGN's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($647.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (59/100 here).
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'
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ALIGN financially healthy?
Yes/no aside, the number is 59/100 (Fair) - ALIGN's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,096 of 4,374; by total assets it ranks #651 of 4,374 nationally (same basis as /rankings/largest); and #25 of 126 within Massachusetts. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.89% net worth ratio and 1.89% delinquency rate are the key drivers.
How does ALIGN compare to other credit unions?
59/100 is ALIGN's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like ALIGN are 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."
What rates does ALIGN offer compared to banks?
Credit unions like ALIGN are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ALIGN directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.