ALIGN
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
Credit 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.
At a Glance
Total Assets
$642.1M
Peer Group 6
Members
26,989
as of latest quarter
Net Worth Ratio
8.89%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
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%
Branch Locations
NCUACorporate 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
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
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<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.