credit union

Align

Lowell, MA · Est. 1922
C
Trust Grade
Average
Score: 74/100

Align is a credit union based in Lowell, Massachusetts, established in 1922, with $642 million in total assets serving 26,989 members. By Trust Grade it ranks 120th of 122 credit unions we track in Massachusetts. Its net worth ratio of 8.9% trails most similarly sized credit unions (13th percentile), versus a Massachusetts median of 12%. It posted a loss over the most recent period (-0.54% return on assets), a point to watch. No consumer complaints against Align appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$642.1M
$100M–1B institution
Members
26,989
Shares & deposits
—
Net worth ratio
8.9%
Bottom 13% of $100M–1B peers · Massachusetts median 12%
Return on assets
-0.5%
Bottom 2% of $100M–1B peers · Massachusetts median 0.55%
Rank in Massachusetts
#120
of 122 credit unions

How Align compares to Massachusetts peers

Net worth ratio
Bottom 13% of $100M–1B peers
Align
8.9%
Massachusetts median
12.0%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 2% of $100M–1B peers
Align
-0.5%
Massachusetts median
0.6%
Higher ROA = more profitable relative to asset base

How we graded Align

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
74/100
Customer experience
n/a
Overall
C · 74
  • Well-capitalized (8.9% capital ratio)
  • Unprofitable over the period (ROA -0.54%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Align over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Align insured?

Yes. Align is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Align: frequently asked questions

Is Align a good credit union?

Align earns a Bankzia Trust Grade of C (74/100, "Average"), based on a financial-strength score of 74/100 (it has no CFPB complaints on record). Well-capitalized (8.9% capital ratio); Unprofitable over the period (ROA -0.54%).

Is Align NCUA-insured?

Yes. Align is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Align?

Align holds $642 million in total assets, ranking 120th of 122 credit unions we track in Massachusetts. It serves 26,989 members.

Does Align have CFPB complaints?

No CFPB complaints against Align appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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