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The Lender Report built this page from public records. Align Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Align Credit Union itself. Each figure shows its source and date. Work at Align Credit Union? You can claim this page for free.
Credit union, Lowell, MA
Align Credit Union
A credit union based in Lowell, MA. Its commercial book is led by multifamily and non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $72.0M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 6
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 6
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $651M
- NCUA 5300,
Does it fit my deal?
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How to reach them
Each line shows where it came from
- Phone
- 800-942-9575 From the NCUA record, June 30, 2026.
- Website
- www.aligncu.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- aligncu.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- ALIGNNCUA 5300,
- Address
- 87 Hale St, Lowell, MA 01851NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Align Credit Union's Multifamily balance rose 13.3% to $33.1M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 6 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Multifamily balance rose 23.5% to $33.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| May 2026 | Massachusetts | SBA 7(a), Clothing and Clothing Accessories Retailers | $75K | 9.75% | 10 yr | SBA FOIA | |
| Feb 2026 | Massachusetts | SBA 7(a), Beauty Salons | $100K | 9.75% | 5 yr | SBA FOIA | |
| Jan 2026 | New Hampshire | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $150K | 9.75% | 7 yr | SBA FOIA | |
| 2025 | Essex County, MA | Refinance, 5 to 24 units | $880K | 7.74% | 15 yr | 80% | HMDA 2025 |
| Apr 2025 | Massachusetts | SBA 7(a), Beauty Salons | $160K | 10.5% | 10 yr | SBA FOIA | |
| Apr 2025 | Massachusetts | SBA 7(a), Other Personal Care Services | $30K | 10.5% | 7 yr | SBA FOIA | |
| 2024 | Essex County, MA | Cash-out refinance, 5 to 24 units | $2M | 6.75% | 10 yr | HMDA 2024 | |
| 2024 | Essex County, MA | Cash-out refinance, 5 to 24 units | $960K | 6.75% | 10 yr | HMDA 2024 | |
| 2024 | Hillsborough County, NH | Purchase, 5 to 24 units | $740K | 6.75% | 10 yr | HMDA 2024 | |
| 2024 | Essex County, MA | Cash-out refinance, 5 to 24 units | $140K | 9.5% | 2 yr | HMDA 2024 | |
| Oct 2023 | New Hampshire | SBA 7(a), Landscaping Services | $40K | 11.25% | 5 yr | SBA FOIA | |
| 6 SBA 7(a) loans since October 2023, net of cancelled | $558K | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $33.1M | 8.0% | +23.5% | 35 | $946K |
| Construction and land development | $0 | 0.0% | Not reported | 0 | Not reported |
| Owner-occupied CRE | $7.94M | 1.9% | -4.8% | 12 | $661K |
| Non-owner-occupied CRE | $29.5M | 7.1% | -6.9% | 39 | $756K |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $1.52M | 0.4% | +13.7% | 27 | $56.3K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $72.0M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $75.1M |
| Q4 2023 | $73.3M |
| Q1 2024 | $71.7M |
| Q2 2024 | $72.8M |
| Q3 2024 | $72.3M |
| Q4 2024 | $74.8M |
| Q1 2025 | $72.2M |
| Q2 2025 | $68.1M |
| Q3 2025 | $66.5M |
| Q4 2025 | $66.8M |
| Q1 2026 | $68.2M |
| Q2 2026 | $72.0M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 1 | $880K | $880K | $880K | HMDA, |
| Multifamily, 5 or more units | 2024 | 4 | $3.90M | $860K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 1 | $940K | $940K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 6 | $558K | $90.0K | $160K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 3 | $330K | SBA FOIA, | ||
| Real-estate-secured commercial | First half of 2026 | 6 | $6.93M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 3 | $4.26M | NCUA 5300, | ||
| Construction | First half of 2026 | 1 | $170K | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 2 | $2.50M | NCUA 5300, | ||
| C&I | First half of 2026 | 4 | $191K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its name and state. SBA 7(a) loans: its NCUA charter number.
| Book | Average loan |
|---|---|
| Multifamily | $946K |
| Owner-occupied CRE | $661K |
| Non-owner-occupied CRE | $756K |
| Commercial and industrial | $56.3K |
Programs on record: Federal Home Loan Bank member, Boston district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Massachusetts HQ | 5 | 1 | 1 | 4 | 0 |
| New Hampshire | 1 | 0 | 0 | 2 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $79.7M | $55.4M to $107M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $58.9M | $65.7K to $122M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 73.9% | 0.1% to 130.1% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $8.47M | $7.20M to $21.4M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 110.9% | 10.4% to 145.2% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 64.0% | 57.3% to 80.1% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- SBA Express
- 6 loans
- Approval to first disbursement
- 17 days, median of 6
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| GFA Credit Union | MA | $747M | $104M |
| Quincy Credit Union | MA | $729M | $32.9M |
| First Citizens' Credit Union | MA | $706M | $36.3M |
| Central One Credit Union | MA | $872M | $103M |
| Umassfive College Credit Union | MA | $703M | $50.6M |
| I-C Credit Union | MA | $583M | $57.7M |
| Boston Firefighters Credit Union | MA | $453M | $6.13M |
| Freedom Credit Union | MA | $764M | $122M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Align Credit Union, NCUA charter 66365. Compare it with the regulator's record. [NCUA profile]
- Balances. $651M in total assets and $72.0M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 6 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 12 loans in HMDA and SBA files, through September 30, 2026: 1 HMDA multifamily 2025, 4 HMDA multifamily 2024, 1 HMDA 1-4 unit investor 2025, 6 SBA 7(a) in 36 months. [How each file was tied to Align Credit Union]
- Phone and website. Phone 800-942-9575, from the NCUA record. Website aligncu.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 66365
- RSSD
- 437398
- LEI
- 549300XYJEJCSZHWWM52
- The Lender Report ID
- lr_002139
- Main office county
- Middlesex
- Members
- 26,865
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $650.9M in total assets as of June 30, 2026 (NCUA 5300).
- Held $72M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $33.1M of multifamily loans as of June 30, 2026, up 23.5% from a year earlier (NCUA 5300).
- Held $29.5M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $7.9M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Originated 1 multifamily loan totaling $880K in 2025 (HMDA).
7 more sentences
- Originated 4 multifamily loans totaling $3.9M in 2024 (HMDA).
- Originated 1 1-4 unit investor or business-purpose loan totaling $940K in 2025 (HMDA).
- Recorded 6 SBA 7(a) approvals totaling $558K from October 1, 2023 to September 30, 2026 (SBA).
- Originated 6 real-estate-secured commercial loans totaling $6.9M in the first half of 2026 (NCUA 5300).
- Bought $4.7M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $13.7M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 6 offices in 2 states (NCUA).
Cite this
Source: The Lender Report, Align Credit Union, https://lender.report/lender/align-credit-union-ma/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Align Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem