Align Credit Union
Lowell, Massachusetts
Financial Health Score
9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.
Good
How This Organization Compares
Compared to 111 peers in Unclassified with $10M-$100M revenue
Working Capital Ratio (net assets ÷ expenses)
Financial Trends
5-Year Trend Analysis
Financial Health Indicators
Filing History
13 filings on record| Year | Revenue | Expenses | Assets | |
|---|---|---|---|---|
| 2023 | $27,908,271↑14% | $31,391,959↑31% | $706,708,681 | — |
| 2022 | $24,433,942↑1% | $24,024,186↑1% | $703,539,071↓6% | — |
| 2021 | $24,193,748↓16% | $23,783,699↓12% | $748,085,438↑8% | — |
| 2020 | $28,709,871↑5% | $26,990,515↑6% | $692,602,330↑8% | — |
| 2019 | $27,329,261↑11% | $25,413,125↑6% | $641,056,129↑12% | — |
| 2018 | $24,664,776↑5% | $23,986,410↑8% | $571,266,691↓1% | — |
| 2017 | $23,484,066↑7% | $22,234,739↑5% | $578,561,311↓1% | — |
| 2016 | $22,012,738↑1% | $21,244,163↑3% | $583,705,638↑4% | — |
| 2015 | $21,778,250↑4% | $20,558,327↓1% | $563,550,434 | — |
| 2014 | $20,963,940↓5% | $20,755,084↓4% | $561,341,429↑3% | — |
| 2013 | $22,178,554↓6% | $21,722,886↓2% | $546,495,467↑1% | — |
| 2012 | $23,565,398 | $22,195,607↓5% | $543,411,904↑3% | — |
| 2011 | $23,654,698 | $23,261,619 | $527,746,056 | — |
Frequently Asked Questions
What does Align Credit Union do?▼
Align Credit Union is a unclassified nonprofit organization based in Massachusetts. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.
Is Align Credit Union financially healthy?▼
Based on our 9-metric Financial Health Score model, Align Credit Union has a score of 69/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.
How much revenue does Align Credit Union generate?▼
Align Credit Union reports $29.5M in annual revenue and holds $669.5M in total assets, based on IRS filings.
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