RIVER WORKS
Charter #66346 · Lynn, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,341 sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.41% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.03% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 54th — a 27-point gap showing why the peer definition matters.
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 | RIVER WORKS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $189.78M | 47th pct | 39th pct |
| Members | 5,341 | 5th pct | 8th pct |
| Net worth ratio | 9.22% | 17th pct | 28th pct |
| Return on average assets | 0.74% | 53th pct | 70th pct |
| Net interest margin | 3.04% | 16th pct | 39th pct |
| Cost of funds | 2.41% | 96th pct | 84th pct |
| Loan-to-share | 86.09% | 81th pct | 54th pct |
| Delinquency 60+ days | 0.56% | 46th pct | 46th pct |
| Net charge-off ratio | -0.03% | 2th pct | 3th pct |
| Loan growth YoY | 3.29% | 77th pct | 72th pct |
| Share growth YoY | 3.58% | 52th pct | 57th pct |
| Efficiency ratio | 79.97% | 55th pct | 39th pct |
structural peer set hash: 8ed36e5f82a6187a0f4bde575b082c04… (reproducible)
Closest structural peers
This is the free public view
Claim RIVER WORKS
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.