RIVER WORKS
State-Chartered • Lynn, Massachusetts • Est. 1936
Quick Facts
- Charter Number
- #66346
- Type
- State-Chartered
- Established
- 1936
- Headquarters
- Lynn, Massachusetts 01905-2640
- Address
- 947 Western Ave
- Branches
- 5
- ATMs
- 3
- Members
- 5,341
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
5,341 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | RIVER WORKS |
|---|---|
| Total Assets | $189.8M |
| Members | 5,341 |
| Loans Outstanding | $148.6M |
| Shares & Deposits | $172.6M |
| Net Worth | $17.5M |
| Net Worth Ratio | 9.22% |
| Loan-to-Share Ratio | 86.1% |
| Delinquency Rate | 0.56% |
| Net Income | +$346,339 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
5 locations · 3 ATMs
Morgan Records
159 Frontage Rd
Manchester, NH 03103-6013
River Works Credit Union
Main Office947 Western Ave
Lynn, MA 01905-2640
River Works Credit Union
256 Freeport St
Dorchester, MA 02122-2845
Naveo Credit Union
493 Somerville Ave
Somerville, MA 02143
River Works Credit Union
24 Broadway
Lynnfield, MA 01940
Who Can Join RIVER WORKS?
Membership Type: Community
Membership eligibility for RIVER WORKS may vary. Contact the credit union directly to confirm qualification requirements.
Contact RIVER WORKS directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Massachusetts
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Massachusetts RankingsFrequently Asked Questions
RIVER WORKS is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, RIVER WORKS has 5,341 members and a potential membership field of 1,000,000 people.
RIVER WORKS's reported net worth ratio is 9.22% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
RIVER WORKS operates 5 branch locations and has access to 3 ATMs. The main office is located at 947 Western Ave, Lynn, MA 01905-2640.
RIVER WORKS was established in 1936. It is a state-chartered credit union chartered under charter number 66346. The institution has been serving members for 90 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or RIVER WORKS. All financial data is for informational purposes only.