Sep, 30, 2025 — ALIGN CREDIT UNION is a federally insured state chartered credit union headquartered in LOWELL, MA with 6 branch locations and about $647.32 million in total assets. Opened 104 years ago in 1922, ALIGN CREDIT UNION has about 27,762 members and employs 109 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ALIGN CREDIT UNION |
|---|---|
| Address: (Main Office) | 87 Hale St LOWELL, MA 01851 |
| Phone: | (800) 942-9575 |
| Fax: | (978) 458-7838 |
| Website: | https://www.aligncu.com |
| Branches: | 6 branch locations |
| Members: | 27,762 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 66365 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1922 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $647,315,253 |
| CEO/Manager: | Lydia M Vazquez |
| Chairperson: | David Morris |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,954,877 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 333,037,549 |
| Unsecured Loans | 32,543,875 |
| Other Loans | 25,742,788 |
| TOTAL LOANS | 391,324,213 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,374,020 |
| Land And Building | 4,810,632 |
| Other Fixed Assets | 1,582,771 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 5,083,179 |
| All Other Assets | 0 |
| TOTAL ASSETS | 647,315,253 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 49,000,000 |
| Accounts Payable & Other Liabilities | 4,478,585 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 104,324,761 |
| Regular shares | 207,877,492 |
| All Other Shares & Deposits | 243,104,527 |
| TOTAL SHARES & DEPOSITS | 555,306,778 |
| TOTAL LIABILITIES | 608,785,363 |
| Regular Reserve | 0 |
| Other Reserves | -20,673,670 |
| Undivided Earnings | 59,203,560 |
| TOTAL EQUITY | 38,529,890 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 647,315,253 |
| INCOME & EXPENSE | |
| Loan Income | 15,037,859 |
| Investment Income | 4,400,390 |
| Other Income | 386,097 |
| Total Employee Compensation & Benefits | 8,178,252 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 8,790,011 |
| Non-operating Income & (Expense) | 365,704 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,203,808 |
| Cost of Funds | 8,558,874 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -3,903,033 |
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