ALIGN Credit Union Profile

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ALIGN

Charter #66365 | NCUA Region 1 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (800) 942-9575

Fax: (978) 458-7838

Founding Date: N/A

Website: http://www.aligncu.com

Personnel & Operations

President: Morris, David

Manager: Vazquez, Lydia

FT Employees: 89

PT Employees: 13

Designations & Ratios

MDI Status: No

RBC Ratio: 13.52%

Membership Type: 99

Branches: 6

Hours: Lobby Hours Monday-Friday: 9:00 am - 4:30 p

Credit Union Profile Summary

ALIGN is a FISCU Credit Union. With a total of 27,804 members [1], this institution manages approximately $652,071,719 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.21% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -2.59% [1].

Financial Snapshot

Total Assets [1]
$652,071,719

Total economic resources.

Total Loans [1]
$384,824,595

Total value of outstanding loans.

Total Deposits [1]
$565,897,146

Total funds deposited by members.

Members [1]
27,804

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.21%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-1.04%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
68.00%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -4.35%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -2.59%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -10.99%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

87 Hale St

Lowell, MA, 01851
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 9 branches reported by ALIGN (Charter #66365).

Main Office

Corporate Office Main Office

Type: Corporate Office

40 Market St

Lowell, MA 01852

Phone: (800) 942-9575

Services: ATM

Open in Directions

Additional Branches

Amesbury

Amesbury

Type: Branch Office

19 Haverhill Rd

Amesbury, MA 01913

Phone: (800) 942-9575

Services: Member Services, ATM, Drive-Thru

Open in Directions

Danvers

Danvers Branch

Type: Branch Office

110 Newbury St

Danvers, MA 01923

Phone: (978) 452-9961

Services: Member Services, ATM

Open in Directions

Framingham

Framingham Branch

Type: Branch Office

969 Concord St

Framingham, MA 01701

Phone: (978) 452-9961

Services: Member Services, ATM

Open in Directions

Haverhill

Haverhill Branch

Type: Branch Office

20 Cushing Ave

Haverhill, MA 01830

Phone: (800) 942-9575

Services: Member Services, ATM, Drive-Thru

Open in Directions

Lowell

Hale Street Branch

Type: Branch Office

87 Hale St

Lowell, MA 01851

Phone: (978) 452-9961

Services: Member Services, ATM, Drive-Thru

Open in Directions

Methuen

Holy Family Hospital

Type: Branch Office

70 East St

Methuen, MA 01844-4597

Phone: (978) 452-9961

Services: Member Services, ATM

Open in Directions

Seabrook

Seabrook, NH Branch

Type: Branch Office

68 Lafayette Rd

Seabrook, NH 03874

Phone: (800) 942-9575

Services: Member Services, ATM

Open in Directions

Wilmington

Wilmington

Type: Branch Office

211G Lowell St

Wilmington, MA 01887

Phone: (800) 942-9575

Services: Member Services, ATM, Drive-Thru

Open in Directions