CU Explorer

Align CU

Credit union in Lowell, MA · NCUA charter #66365 · State charter (federally insured)

Legal name: Align

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$651M
Total loans & leases$417M
Total shares & deposits$557M
Members26,940
Net worth$56.5M
Net worth / assets8.67%
Loans / assets63.99%
Return on assets (annualized)−0.45%
Loan growth (YoY)8.25%
Member growth (YoY)−3.10%
Delinquency, all loans (60+ days)1.46%
CharterState charter (federally insured)
Asset band$250M–$1B
NCUA peer groupover $500M
Sponsor typeCommunity (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search, web search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online account opening, online loan payments, bill payment, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

In the explorer: ten-year history for every metric, balance sheet and income statement drill-downs, percentile rankings against asset-size peers, leaders and board, branches, and growth opportunities.

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