Align

Lowell, MA · 2 · Charter #66365 · www.aligncu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$647.3M
73th percentile
Members
27,024
47th percentile
Total loans
$401.2M
67th percentile
Total shares
$557.8M
75th percentile

Profitability

Return on assets
-0.93%
0th percentile
Net interest margin
2.31%
4th percentile
Efficiency ratio
75.38%
4th percentile
Non-interest income ratio
14.26%
23th percentile

Capital & Risk

Net worth ratio
8.95%
16th percentile
Delinquency rate
1.89%
6th percentile
Net charge-off rate
0.14%
85th percentile
Loan-to-share
71.92%
30th percentile

Growth

Member growth YoY
-3.15%
16th percentile
Asset growth YoY
-3.11%
5th percentile
Loan growth YoY
1.97%
38th percentile
Share growth YoY
0.09%
13th percentile

Operations

Members / branch
4,504
48th percentile
Assets / member
$23,953
88th percentile
Field of membership penetration
0.74%
10th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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