# ALIGN
Lowell, MA · NCUA charter 66365 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/align-66365

Who the members are: state charter, organized 1922. 26,989 members of 3,676,130 potential (0.7% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *stressed*. Composite score 7 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $642.1M |
| Members | 26,989 (-3.1% YoY) |
| Full-time staff | 100 |
| Net worth | $57.1M |
| Net worth ratio | 8.9% (p18 of band) |
| ROA (annualized) | -0.54% (p1 of band) |
| Total delinquency | 1.64% (p96 of band) |
| Net charge-offs (annualized) | 0.24% (p27 of band) |
| Loans / shares | 72% (p27 of band) |
| Cash / assets | 1.0% |
| Borrowings / assets | 5.57% |
| Net interest margin | 2.67% (p8 of band) |
| Operating expense / assets | 3.65% (p55 of band) |
| Vehicles % of loans | 6% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 8% |
| Third-party paper % of net worth | 12% (p22 of band) |
| Vehicle delinquency | 0.21% (p14 of band) |
| Vehicle NCO | 0.00% (p1 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 120% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 27% |
| Average share balance | $9,480 |
| Participations bought / yr | $15.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $15.5M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $44,479 |
| Loans granted, annualized | $102.2M |

## Participation posture (from the same filings)

Bought $15.4M and sold $0 in the latest annualized quarter; $15.5M outstanding purchased (27.1% of net worth), $2.0M sold and retained. Sold in 1 and bought in 3 of the last 8 quarters. Shares -1.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | assets shrinking |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | assets shrinking |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 | delinquency rising | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | net worth falling |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | delinquency 2x band |  |
| 2020-12 | 3 |  | net worth falling |
| 2021-03 | 2 |  | delinquency 2x band |
| 2021-06 | 4 | net worth falling, delinquency 2x band, loan book shrinking | delinquency rising |
| 2021-09 | 3 |  | delinquency 2x band |
| 2021-12 | 3 |  |  |
| 2022-03 | 1 |  | net worth falling, loan book shrinking |
| 2022-06 | 1 | assets shrinking | leaning on borrowings |
| 2022-09 | 2 | leaning on borrowings |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | net worth falling |  |
| 2023-06 | 2 | losing money | assets shrinking, net worth falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | margin squeeze, delinquency rising |  |
| 2024-03 | 4 | net worth falling | margin squeeze |
| 2024-06 | 5 | assets shrinking |  |
| 2024-09 | 4 |  | assets shrinking |
| 2024-12 | 4 | assets shrinking | delinquency rising |
| 2025-03 | 5 | members leaving |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 6 | delinquency 2x band, delinquency rising | members leaving |
| 2025-12 | 8 | thin capital, members leaving |  |
| 2026-03 | 7 |  | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-17 [Jeanne D’Arc Credit Union announces four new officers - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxOazJoOUVETnNTR2dmTExkNjV1WldJVUhiT2w1QWkxdTgyOVlrOHlIcmQ5cFBVNlBEV2EydkhMZGtUTkgyaVF2clhiZ1kzc0JJaEx3RUhhZWExMUZUbTluY2JDLWxQcENSZi1qV2dxYkVxXy0zbUVDRmtQeEJtUEJxdmF0Qk51SEExdnZUSkwzMjFzdmo2b2hDSg?oc=5) · CUInsight
- 2026-08-12 [CU vendor TruStage faces 14 suits over monthslong outage - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxQLV91ZFZyckljd2VaUWV0QkdyNWg0NmpNaHdHZlVvUnVNU3RyU3dnWGxUb0pUQUh3aHAtaGJIOVd3UWtBZUVhejdhTFFsZXNFY0ZPTHlKbllGVlF2NE1jUmJ5RkY2VXU0dU4tVV9GYlphUm4ycHcxVUhwWmRuRnBlNEZYOERVSGUxZ3I3VWtYOTJ3WXRYOVBV?oc=5) · American Banker
- 2026-06-08 [Serial bank robber sent to prison - Lowell Sun](https://news.google.com/rss/articles/CBMie0FVX3lxTE5GUlhjenpzelZqdXVMV3d2cHNJSkhnX1hFYU5uVkNzcnRmM2p0OXNIMmhlU2tlVmpESlRUemYyTFVFWGEzdjVtMzVQVjE0dXJSVkhYYm11bzRZcThySFRyR3lWZ1dZRXlnaVZsX3BPQXFPMG9LWnVsUEdIWQ?oc=5) · Lowell Sun
- 2026-04-03 [Joan A. Berube Obituary (2026) - Hanson, MA - MacKinnon Funeral Home & Cremation Services - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5SVUZhY0FXQ1NndTV6Tmc2YndNR1UtOW5SQ0w1dzFHM1BFYWNNelFYZUNkdkloRmh3ck9VLXR3VmZHMlBncEVyMFQxRFFXX05KUHNlTnJqTHFSblNSS3hHbHB5ckxxNENSS2ZXTUhDZzRfQzRDRFpxdjBPa0RTYTQ?oc=5) · legacy.com
- 2023-10-12 [Align Credit Union welcomes Marc Sanguinetti to senior management team - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxOeG5OUXJ1VWFsWFNnNzl6bWZHcFBlTE1OREt5REJaalpqUURxeHJ4cllBMmp2OV9pUnQwcE5WVTNiUkRZVVZfZ1o5X0NQZ0xvX1Y1YmVMZ1JsV2JVNEFEcTNsZXNXSUFtTTlJZno2d2ExNzJ0YUhPZXlyR3dRY0w0UVcyVFlmay1oUktfSDV2SXlxcFItUWxTLUttWFhmSjdpN3JoM192SmZ2V09CcEVfTg?oc=5) · CUInsight
- 2022-07-25 [NCUA Announces Change to CECL Effective Date That Helps Align Credit Unions with Accounting Standards - CliftonLarsonAllen (CLA)](https://news.google.com/rss/articles/CBMivgFBVV95cUxQaU4zQnpwV1lqRnQ5a243cndzNjdHS2VlQ0NJSHZKSnh2MVNLS0tWYkVWMmV0ZzU2QkNDSzBYSDcwa1VBTWFLSG9iX3FjcVQ1N3RfR2djR2d1Mm9CZXRlWWd1TFJRR3RPQXgwalV3YUdXdHM5UF9mSmV2UEdMVVFic3hNUmQyNWJSX0tQa0VvcUFhYTU5Qk14eE96aDVDTmtpZThmN0ZCb2VpQXVpc05UMXI5V2NralFQelFSYnBn?oc=5) · CliftonLarsonAllen (CLA)
- 2020-02-03 [UMass Lowell, City of Lowell Announce Partnership to Accelerate Sustainability Leadership - UMass Lowell](https://news.google.com/rss/articles/CBMidEFVX3lxTE1PSm02SjAxd1ZIdnRyWU9kbFpmTW1za1VDeGhTNVExcEc4cXUzOE80OUsxYTJrVnpsWC1BcU00aGp6ZmYyNGtXRnBIYlVGVmJrZXhuclBIdkZib1dtRkJjS3V6M2pyNVhMNFJpbURyUE9xV2Nj?oc=5) · UMass Lowell
- 2023-02-28 [NH Man Charged In Connection With 2022 Wilmington Bank Robbery - Patch](https://news.google.com/rss/articles/CBMingFBVV95cUxQaFpqOEhqdU1VVG9HTnQ3cXF0TUdWdHk1eUhaN1V1SUtWNjdNTWlsakFnR2NSUmJOT0JWejc4MmVIVTNaU1dSMkVhblFocjJfZ3paVFdaaFlHUzUzZ3ZibktrMWNyVHgyTDRoelhySnNsNklYNFJjaERMd3V1cW1IMWE1RXcyT2VRSDlqYUJkcUMtT0sydVlybzl0TVNUQQ?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66365 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/61.json (key "66365", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66365
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide