credit union · NCUA 66346 · MA
How big is RIVER WORKS?
RIVER WORKS (MA, NCUA charter 66346) reported total assets of $192.9M, 5,374 members and a net worth ratio of 9.16% in its Call Report for 2026Q2. That ranks 1310 of 4,299 federally insured credit unions by assets, 551 of 1,061 among credit unions with $100m-$500m in assets, 43 of 121 credit unions in massachusetts.
What stands out
RIVER WORKS (MA, NCUA charter 66346) reported total assets of $192.9M, 5,374 members and a net worth ratio of 9.16% in its Call Report for 2026Q2. That ranks 1310 of 4,299 federally insured credit unions by assets, 551 of 1,061 among credit unions with $100m-$500m in assets, 43 of 121 credit unions in massachusetts. Against its size class: net worth ratio 9.16%, below the peer median of 11.65%; loan-to-share ratio 93.54%, above the peer median of 73.15%; return on assets 0.54%, below the peer median of 0.74%. At 9.16% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $192.9M | $198.1M | $81.8M | $68.3M | record → |
| Shares and deposits | $173.6M | $172.3M | $67.8M | $58.3M | record → |
| Loans outstanding | $162.4M | $125.2M | $42.6M | $34.4M | record → |
| Net income (year to date) | $518.7k | $766.3k | $172.3k | $222.2k | record → |
| Net worth | $17.7M | $24.5M | $9.5M | $9.0M | record → |
| Net worth ratio | 9.16% | 11.65% | 12.11% | 12.65% | record → |
| Loan-to-share ratio | 93.54% | 73.15% | 76.11% | 68.70% | computed |
| Return on assets | 0.54% | 0.74% | 0.56% | 0.71% | computed |
| Members | 5,374 | 13,230 | 4,111 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $192.9M | $173.6M | $162.4M | $518.7k | 9.16% | 5,374 | 1310 |
| 2026Q1 | $189.8M | $172.6M | $148.6M | $346.3k | 9.22% | 5,341 | 1321 |
| 2025Q4 | $184.9M | $165.9M | $146.9M | $639.7k | 9.27% | 5,341 | 1330 |
| 2025Q3 | $185.3M | $166.7M | $143.9M | $492.1k | 9.17% | 5,497 | 1329 |
| 2025Q2 | $186.7M | $169.4M | $144.3M | $297.2k | 9.00% | 5,497 | 1322 |
| 2025Q1 | $170.3M | $151.6M | $131.4M | $198.2k | 9.81% | 5,430 | 1400 |
| 2024Q4 | $151.4M | $133.2M | $124.2M | $429.0k | 10.90% | 5,371 | 1480 |
| 2024Q3 | $150.9M | $134.5M | $114.4M | $309.9k | 10.86% | 5,420 | 1479 |
| 2024Q2 | $143.9M | $126.1M | $104.5M | $334.4k | 11.40% | 5,476 | 1523 |
| 2024Q1 | $130.7M | $112.7M | $102.6M | $201.6k | 12.45% | 5,426 | 1602 |
| 2023Q4 | $123.6M | $104.5M | $102.3M | $865.9k | 13.01% | 5,388 | 1635 |
| 2023Q3 | $123.0M | $105.4M | $102.1M | $816.1k | 13.02% | 5,501 | 1636 |
| 2023Q2 | $121.6M | $103.7M | $95.8M | $649.9k | 13.04% | 5,459 | 1658 |
| 2023Q1 | $116.0M | $98.2M | $93.2M | $287.3k | 13.36% | 5,447 | 1710 |
| 2022Q4 | $112.6M | $95.4M | $91.8M | $174.9k | 13.50% | 5,432 | 1723 |
| 2022Q3 | $112.9M | $96.6M | $84.5M | $46.4k | 13.35% | 5,495 | 1723 |
| 2022Q2 | $115.9M | $99.7M | $74.3M | $2.2k | 12.97% | 5,631 | 1704 |
| 2022Q1 | $117.7M | $101.3M | $66.5M | $109.9k | 12.86% | 5,625 | 1693 |
| 2021Q4 | $115.1M | $99.0M | $65.7M | $493.3k | 13.07% | 5,623 | 1699 |
| 2021Q3 | $115.6M | $98.8M | $66.8M | $380.6k | 12.91% | 5,725 | 1687 |
| 2021Q2 | $116.7M | $100.4M | $66.6M | $238.5k | 12.66% | 5,722 | 1666 |
| 2021Q1 | $115.9M | $99.5M | $65.2M | $330.0k | 12.83% | 5,753 | 1669 |
| 2020Q4 | $109.8M | $93.9M | $64.3M | $341.0k | 13.23% | 5,693 | 1670 |
| 2020Q3 | $110.2M | $94.0M | $64.7M | $134.3k | 13.01% | 5,752 | 1639 |
| 2020Q2 | $110.1M | $95.1M | $66.6M | $-36.8k | 12.86% | 5,751 | 1629 |
| 2020Q1 | $103.8M | $88.9M | $65.0M | $-97.8k | 13.59% | 5,787 | 1628 |
| 2019Q4 | $102.3M | $86.6M | $66.4M | $78.5k | 13.87% | 5,764 | 1617 |
| 2019Q3 | $103.0M | $87.8M | $65.5M | $13.4k | 13.72% | 5,804 | 1603 |
| 2019Q2 | $102.5M | $87.5M | $65.1M | $7.4k | 13.78% | 5,895 | 1607 |
| 2019Q1 | $105.8M | $90.1M | $64.2M | $-37.6k | 13.31% | 5,776 | 1590 |
| 2018Q4 | $102.8M | $87.1M | $63.3M | $194.1k | 13.73% | 5,932 | 1594 |
| 2018Q3 | $102.7M | $87.7M | $63.0M | $164.5k | 13.72% | 6,001 | 1587 |
| 2018Q2 | $103.8M | $88.3M | $60.0M | $73.7k | 13.48% | 5,982 | 1586 |
| 2018Q1 | $107.0M | $92.0M | $58.2M | $57.7k | 13.07% | 6,092 | 1563 |
| 2017Q4 | $106.4M | $90.6M | $57.3M | $232.6k | 13.08% | 6,121 | 1544 |
| 2017Q3 | $105.3M | $89.3M | $59.9M | $201.3k | 13.20% | 6,433 | 1558 |
| 2017Q2 | $106.6M | $90.0M | $62.6M | $174.7k | 13.01% | 6,407 | 1548 |
| 2017Q1 | $107.8M | $90.2M | $68.2M | $102.5k | 12.80% | 6,487 | 1544 |
| 2016Q4 | $107.2M | $88.7M | $75.0M | $439.4k | 12.77% | 6,539 | 1521 |
| 2016Q3 | $111.9M | $90.3M | $85.7M | $875.6k | 12.62% | 6,609 | 1477 |
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