ALIGN
Charter #66365 · Lowell, MA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.89% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of -0.54% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.66% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 1.71% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.64% sits at the 89th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ALIGN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $642.09M | 35th pct | 43th pct |
| Members | 26,989 | 9th pct | 26th pct |
| Net worth ratio | 8.89% | 17th pct | 23th pct |
| Return on average assets | -0.54% | 1th pct | 3th pct |
| Net interest margin | 2.66% | 6th pct | 18th pct |
| Cost of funds | 1.71% | 68th pct | 77th pct |
| Loan-to-share | 72.13% | 27th pct | 25th pct |
| Delinquency 60+ days | 1.64% | 97th pct | 89th pct |
| Net charge-off ratio | 0.24% | 27th pct | 49th pct |
| Loan growth YoY | 4.10% | 84th pct | 90th pct |
| Share growth YoY | 1.71% | 19th pct | 38th pct |
| Efficiency ratio | 111.42% | 99th pct | 93th pct |
structural peer set hash: d408c244c5076f643eda7a1b178424a3… (reproducible)
Closest structural peers
This is the free public view
Claim ALIGN
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.