Align Credit Union (NCUA charter #66365) is based in Lowell, Massachusetts. Its Q2 2026 call report shows $650.9M in total assets and $556.8M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, Align Credit Union scores 45/100, which we describe as below average. That is higher than only 3% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 117th. Its strongest component is funding & liquidity (85/100; 75% loans-to-deposits, 10% uninsured), and its lowest is earnings (2/100; -0.45%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 9 points (54 → 45), mostly because the loan quality component weakened by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 56 |
| Q4 2024 | 54 |
| Q1 2025 | 57 |
| Q2 2025 | 54 |
| Q3 2025 | 45 |
| Q4 2025 | 42 |
| Q1 2026 | 44 |
| Q2 2026 | 45 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.12% |
| Q3 2024 | 9.83% |
| Q4 2024 | 9.55% |
| Q1 2025 | 9.36% |
| Q2 2025 | 9.21% |
| Q3 2025 | 9.20% |
| Q4 2025 | 8.95% |
| Q1 2026 | 8.89% |
| Q2 2026 | 8.67% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.75% |
| Q3 2025 | 1.71% |
| Q4 2025 | 1.89% |
| Q1 2026 | 1.64% |
| Q2 2026 | 1.46% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.04% |
| Q3 2024 | -1.12% |
| Q4 2024 | -1.25% |
| Q1 2025 | -1.35% |
| Q2 2025 | -1.05% |
| Q3 2025 | -0.80% |
| Q4 2025 | -0.80% |
| Q1 2026 | -0.54% |
| Q2 2026 | -0.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 45 | $650.9M | 8.67% | 1.46% | -0.45% | 74.8% |
| Q1 2026 | 44 | $642.1M | 8.89% | 1.64% | -0.54% | 72.1% |
| Q4 2025 | 42 | $647.3M | 8.95% | 1.89% | -0.80% | 71.8% |
| Q3 2025 | 45 | $647.3M | 9.20% | 1.71% | -0.80% | 70.5% |
| Q2 2025 | 54 | $652.1M | 9.21% | 0.75% | -1.05% | 68.0% |
| Q1 2025 | 57 | $657.8M | 9.36% | 0.58% | -1.35% | 67.7% |
| Q4 2024 | 54 | $668.1M | 9.55% | 0.89% | -1.25% | 70.5% |
| Q3 2024 | 56 | $679.5M | 9.83% | 0.67% | -1.12% | 70.8% |
| Q2 2024 | 56 | $681.8M | 10.12% | 0.78% | -1.04% | 70.5% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Umassfive College Federal Credit UnionCredit union Hadley, MA | 58 out of 100, Moderate | $702.7M | 9.7% | 1.02% | vs |
| First Citizens' Federal Credit UnionCredit union Fairhaven, MA | 83 out of 100, Strong | $705.9M | 20.2% | 0.77% | vs |
| I-C Federal Credit UnionCredit union Fitchburg, MA | 50 out of 100, Below average | $583.0M | 8.9% | 0.94% | vs |
| Quincy Credit UnionCredit union Quincy, MA | 80 out of 100, Strong | $729.4M | 14.6% | 0.75% | vs |
| Mass. Institute of Tech. Federal Credit UnionCredit union Lexington, MA | 56 out of 100, Moderate | $730.8M | 9.9% | 1.09% | vs |
| Gfa Federal Credit UnionCredit union Gardner, MA | 55 out of 100, Moderate | $747.3M | 9.2% | 0.75% | vs |
Deposit insurance
Is my money safe at Align Credit Union?
Yes. Align Credit Union is a federally insured credit union (NCUA charter #66365). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 10.0% of shares and deposits ($55.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 8.67%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Align Credit Union lists 2 offices in 2 cities. Most locations:
- Framingham, MA (1)
- Lowell, MA (1)
HMDA 2025
Mortgage lending
In 2025, Align Credit Union reported 455 home-loan applications under HMDA (LEI 549300XYJEJCSZHWWM52): 280 originated ($50,420,000 total), 81 denied, and 90 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Align Visa | 11.75% – 16.75% | $0 | — | 2.0% |
Identity & history
Profile
- Legal name
- Align Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 66365
- RSSD ID
- 437398
- Primary regulator
- State + NCUA
- Established
- 1922
- Headquarters
- 87 Hale St, Lowell, MA 01851
- Employees
- 111
Quick answers
Align Credit Union: common questions
Is Align Credit Union NCUA insured?
Yes. Align Credit Union is a federally insured credit union (NCUA charter #66365). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Align Credit Union's TellerScore?
45 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Align Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Lowell
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Fidelity Personal Trust Company, FSBBank Merrimack, NH | 93 out of 100, Very strong | $74.6M | 101.5% | 0.00% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Billerica Municipal Employees Credit UnionCredit union Billerica, MA | 91 out of 100, Very strong | $23.6M | 17.8% | 0.00% | vs |