River Works
Lynn, MA · Charter 66346 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)
NCUA · 5 branches
Q2 2026
$192.9MAssets
$162.4MLoans
$173.6MShares
$17.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 68% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 21 of 66).
- Widest gap: equity / assets trails 83% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 55 of 66).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.54%
Rank 38 of 66
Net Interest Margin
3.05%
Rank 40 of 66
Efficiency Ratio
84.45%
Rank 44 of 66
Equity / Assets
9.15%
Rank 55 of 66
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.54% | 0.38% | 0.59% | 1.00% | Beats 42% | 38 / 66 | |
| Return on Equity | 5.88% | 2.62% | 4.89% | 6.39% | Beats 68% | 21 / 66 | |
| Net Interest Margin | 3.05% | 2.83% | 3.27% | 3.84% | Beats 39% | 40 / 66 | |
| Efficiency Ratio | 84.45% | 68.43% | 80.15% | 87.18% | Beats 35% | 44 / 66 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.08% | 0.48% | 1.18% | Beats 35% | 44 / 66 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.15% | 9.84% | 13.79% | 17.21% | Beats 17% | 55 / 66 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.15% | 9.84% | 13.79% | 17.21% | Beats 17% | 55 / 66 | |
| Liquidity & Funding |
| Loans / Deposits | 93.54% | 50.73% | 71.54% | 81.61% | 89th pctl | 7 / 66 | |
| Loans / Assets | 84.18% | 40.53% | 57.05% | 68.92% | 97th pctl | 2 / 66 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |