Align Credit Union
Total assets
$642.1M
▼ -2.4% YoY
Shares & deposits
$564.8M
▼ -1.2% YoY
Loans
$407.4M
▲ +5.4% YoY
Members
26,989
▼ -3.1% YoY
ROA (annualized)
-0.54%
peers 0.62%
ROE (annualized)
-6.11%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | Align Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +4.8% | -7.2 pts |
| Share growth (YoY) | -1.2% | +4.3% | -5.5 pts |
| Loan growth (YoY) | +5.3% | +4.3% | +1.0 pts |
| ROA | -0.54% | 0.62% | -1.2 pts |
| ROE | -6.1% | 5.9% | -12.0 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
Profile
- Established
- 1922
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 87 Hale St, Lowell, MA, 01851
- NCUA charter #
- 66365
- RSSD ID
- 437398
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $642.1M | $564.8M | $407.4M | $57.1M | $-871K | -0.54% | 2.67% | 1.64% | 26,989 |
| Q4 2025 | $647.3M | $558.6M | $401.2M | $57.9M | $-5.2M | -0.80% | 2.31% | 1.89% | 27,024 |
| Q3 2025 | $647.3M | $555.3M | $391.3M | $59.6M | $-3.9M | -0.80% | 2.24% | 1.71% | 27,762 |
| Q2 2025 | $652.1M | $565.9M | $384.8M | $60.1M | $-3.4M | -1.05% | 2.15% | 0.75% | 27,804 |
| Q1 2025 | $657.8M | $571.5M | $386.7M | $61.6M | $-2.2M | -1.35% | 2.04% | 0.58% | 27,857 |
| Q4 2024 | $668.1M | $558.1M | $393.4M | $63.8M | $-8.3M | -1.25% | 1.79% | 0.89% | 27,904 |
| Q3 2024 | $679.5M | $555.2M | $393.3M | $66.9M | $-5.7M | -1.12% | 1.73% | 0.67% | 28,510 |
| Q2 2024 | $681.8M | $560.3M | $395.1M | $69.1M | $-3.5M | -1.04% | 1.74% | 0.78% | 31,236 |
Loan mix (Q1 2026): real estate $285.6M · commercial $68.3M · consumer $49.7M · securities $212.2M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Align Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.54% | 0.62% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -6.1% | 5.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.48% | 8th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.4% | 78.3% | 99th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Align Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Align Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Align Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Align Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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