State credit union · Lynn, Massachusetts · NCUA charter #66346
River Works
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $184.9M
- Total assets
- 5,341
- Members
- 9.2%
- Net-worth ratio
River Works scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $184.9M; members 5,341; net-worth ratio 9.22%; health rank #1,862 of 4,374; healthier than 57th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,862 of 4,374 health · 2025Q4River Works · health 86/100 · $184.9M · 2025Q4
- BOOK 86/100
- CHARTER 9.2%
- NCUSIF 0.59%
- CAMELS 0.23%
- HEALTH $184.9M
- NW 5,341
- DELQ #1,862/4,374
- ROA Horizon Utah
- ASSETS 66346
Call Report peers
River Works in the assets neighbourhood
River Works's $184.9M assets sit next to Horizon Utah ($184.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
River Works vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
River Works - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66346: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
River Works vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 88.53% here, 72.20% peer average (+16.33 pp).
- Net Worth Ratio trails the peer set - 9.22% here, 12.11% peer average (-2.89 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
River Works in Massachusetts
- Massachusetts health ordinal: #58 of 126.
- Massachusetts assets place: #45 of 126.
- Member book place in Massachusetts: #61 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How River Works's 5300 filing moved
River Works: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $184.9M (2025Q4) to $189.8M (2026Q1).
- Net-worth ratio shifted -0.05 pp (9.27% → 9.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.22% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 28.1 pts
- Delinquency Rate 24.1 pts
- Return on Assets 11.0 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 14.8 pts
River Works vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.22% | -2.89 pp |
| Delinquency Rate | 0.59% | -0.31 pp |
| Return on Assets | 0.23% | -0.39 pp |
| Member Growth | -0.56% | - |
| Loan-to-Share Ratio | 88.53% | +16.33 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $189.8M | - |
| 2025Q4 | $184.9M | 5,341 |
| 2024Q4 | $151.4M | 5,371 |
| 2023Q4 | $123.6M | 5,388 |
Credit Union Details
- Charter Number
- 66346
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Lynn
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, River Works runs 5 offices in 5 different cities across 2 states.
| Office | City |
|---|---|
| River Works Credit Union (Main Office) | Lynn, MA |
| River Works Credit Union | Dorchester, MA |
| River Works Credit Union | Lynnfield, MA |
| Morgan Records | Manchester, NH |
| Naveo Credit Union | Somerville, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
River Works nationwide neighbourhoods
Cross-state asset and health neighbours for River Works - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($184.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- River Works ranks #1,862 of 4,374 nationally on financial health and #58 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community Credit Union of Lynn is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community Credit Union of Lynn
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is River Works financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - River Works's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,862 of 4,374; by total assets it ranks #1,330 of 4,374 nationally (same basis as /rankings/largest); and #45 of 126 within Massachusetts. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.22% net worth ratio and 0.59% delinquency rate are the key drivers.
How does River Works compare to other credit unions?
On PlainCU's health composite, River Works lands at 86/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join River Works?
Membership eligibility for River Works depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact River Works directly for current membership requirements and application steps.
Is my money safe at River Works?
Federal credit unions like River Works are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. River Works's net worth ratio of 9.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does River Works offer compared to banks?
Credit unions like River Works are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact River Works directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.