Lynn, Massachusetts · Peer group 5
River Works Credit Union
River Works Credit Union holds $189.8M in assets across 5,341 members as of Q1 2026 — about $36K of assets per member, on a charter dating to 1936. Charter number 66346, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $189.8M |
|---|---|
| Total loans | $148.6M |
| Total shares (deposits) | $172.6M |
| Net worth | $17.5M |
| Members | 5,341 |
| Assets per member | $36K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 11.4% | |
|---|---|---|
| Loans | 13.1% | higher than 92% of its peer group |
| Deposits | 13.8% | higher than 98% of its peer group |
| Members | -1.6% | around the 34th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 86.1% | around the 81st percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.2% | around the 17th percentile of its peer group |
| Return on assets | 0.73% | around the 53rd percentile of its peer group |
| Delinquency ratio | 0.56% | around the 46th percentile of its peer group |
| Cash / assets | 12.0% | around the 64th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is River Works Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Massachusetts — the comparison set a peer ratio is measured against.
- Alden Credit Union
Chicopee, MA
$187.9M · 12,757 members
- Naveo Credit Union
SOMERVILLE, MA
$174.6M · 6,681 members
- Homefield Credit Union
NORTH GRAFTON, MA
$170.6M · 6,883 members
- New Bedford Credit Union
New Bedford, MA
$168.6M · 10,582 members
- Pioneer Valley Credit Union
Springfield, MA
$164.9M · 11,570 members
- Greater Springfield Credit Union
SPRINGFIELD, MA
$227.8M · 10,953 members
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