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River Works
Lynn, MA · NCUA Charter #66346 · State charter, federally insured · Chartered 1936
Total assets
$192.92M
Shares & deposits
$173.63M
Total loans
$162.41M
Members
5,374
Net worth
$17.66M
Branches
5
Rank: #1,310 of 4,299 U.S. credit unions by assets · #43 of 121 in Massachusetts. Assets changed 3.4% and membership -2.2% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 9.16% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.60% |
| Loans to shares & deposits | 93.5% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $115.94M | $99.68M | $0 | $15.04M |
| Jun 2023 | $121.61M | $103.69M | $0 | $15.86M |
| Jun 2024 | $143.92M | $126.13M | $0 | $16.41M |
| Jun 2025 | $186.66M | $169.44M | $0 | $16.80M |
| Jun 2026 | $192.92M | $173.63M | $0 | $17.66M |
Branch footprint
| State | Branches |
|---|---|
| Massachusetts | 4 |
| New Hampshire | 1 |
Similar-sized credit unions
Discovery ($193.21M) · Kauai ($192.84M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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