River Works

Lynn, MA · 2 · Charter #66346 · www.rwcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$184.9M
85th percentile
Members
5,341
28th percentile
Total loans
$146.9M
95th percentile
Total shares
$164.7M
87th percentile

Profitability

Return on assets
0.38%
12th percentile
Net interest margin
2.88%
14th percentile
Efficiency ratio
52.04%
79th percentile
Non-interest income ratio
6.38%
6th percentile

Capital & Risk

Net worth ratio
9.27%
15th percentile
Delinquency rate
0.59%
58th percentile
Net charge-off rate
0.02%
96th percentile
Loan-to-share
89.20%
85th percentile

Growth

Member growth YoY
-0.56%
50th percentile
Asset growth YoY
22.15%
98th percentile
Loan growth YoY
18.28%
96th percentile
Share growth YoY
24.54%
98th percentile

Operations

Members / branch
1,780
16th percentile
Assets / member
$34,627
98th percentile
Field of membership penetration
0.53%
6th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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