PackageTrendsPeer
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River Works

Lynn, MA · Charter 66346

NCUA · 5 branches

Q2 2026

$192.9MAssets
$162.4MLoans
$173.6MShares
$17.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.54%, up 22 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.82% of loans (+47 bps YoY).
  • Capital: net worth / assets of 9.16%, up 15 bps from a year ago.
  • Funding: loans stand at 93.54% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.54%+22 bps YoY

Net Interest Margin (quarter, annualized)

3.05%+30 bps YoY

Efficiency Ratio (quarter, annualized)

84.46%-527 bps YoY

Net Worth / Assets

9.16%+15 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.35%0.35%0.73%0.54%+22 bps
Return on Equity3.54%3.86%3.73%7.92%5.87%+234 bps
Net Interest Margin2.75%2.81%2.88%3.00%3.05%+30 bps
Efficiency Ratio89.73%88.48%88.29%79.97%84.46%-527 bps
Growth
Asset Growth (YoY)29.70%22.84%22.15%11.44%3.36%-2,634 bps
Loan Growth (YoY)38.09%25.75%18.28%13.08%12.53%-2,556 bps
Share Growth (YoY)34.34%23.92%24.55%13.84%2.47%-3,187 bps
Asset Quality
Delinquent Loans / Loans0.35%0.89%0.59%0.56%0.82%+47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.00%9.17%9.27%9.22%9.16%+15 bps
Net Worth / Assets9.00%9.17%9.27%9.22%9.16%+15 bps
Liquidity & Funding
Loans / Shares85.18%86.32%88.53%86.09%93.54%+836 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps