Lowell, MA · State Credit Union · Chartered in MA
Who can join
State government employees (special charter)
Members
26,989
Net Worth Ratio
8.89%
min. 7% = Well Capitalized
Contact & Details
NCUACredit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$642.1M
Total Shares
$564.8M
Total Loans
$407.4M
Net Worth Ratio
8.89%
≥7% = Well Capitalized
Members
26,989
Delinquency Rate (60d+)
1.54%
$6.3M
Loan-to-share ratio: 72.1%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 501 | 317 | 152 | 63.3% | 30.3% |
| 2022 | 642 | 414 | 158 | 64.5% | 24.6% |
| 2021 | 458 | 203 | 112 | 44.3% | 24.4% |
No CFPB complaint data available for this credit union.
Corporate Office
87 Hale St, Lowell, MA, 01851
Lobby Hours Monday-Friday: 9:00 am - 4:30 pm Saturday: 9:00 am - 12:00 pm Drive-Up Hours Monday-Friday: 8:00 am - 4:30 pm Saturday: 9:00 am - 12:00 pm
Framingham Branch
235 Old Connecticut Path, Framingham, MA, 01701
Lobby Hours Monday-Friday: 9:00 am - 4:30 pm Saturday: 9:00 am - 12:00 pm
Danvers Branch
110 Newbury St, Danvers, MA, 01923
Lobby Hours Monday-Friday: 9:00 am - 4:30 pm Saturday: 9:00 am - 12:00 pm Drive-Up Hours Monday-Friday: 8:00 am - 4:30 pm Saturday: 9:00 am - 12:00 pm
Haverhill Branch
20 Cushing Ave, Haverhill, MA, 01830
Lobby Hours Monday-Friday: 9:00 am - 4:30 pm Saturday: 9:00 am - 12:00 pm Drive-Up Hours Monday-Friday: 8:00 am - 4:30 pm Saturday: 9:00 am - 12:00 pm
Amesbury
19 Haverhill Rd, Amesbury, MA, 01913
Lobby Hours Monday-Friday: 9:00 am - 4:30 pm Saturday: 9:00 am - 12:00 pm Drive-Up Hours Monday-Friday: 8:00 am - 4:30 pm Saturday: 9:00 am - 12:00 pm
Copy the snippet below to embed a link to this profile on your website.
<a href="https://bankscorer.com/credit-union/align" target="_blank" rel="noopener">View ALIGN on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Seabrook, NH Branch
68 Lafayette Rd, Seabrook, NH, 03874
Lobby Hours Monday-Friday: 9:00 am - 1:00 pm Saturday: 9:00 am - 12:00 pm