Align
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.
How Align compares to Massachusetts peers
How we graded Align
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.9% capital ratio)
- Unprofitable over the period (ROA -0.54%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
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.
Similar Credit Unions
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.
