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
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
5,341 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | RIVER WORKS |
|---|---|
| Total Assets | $184.9M |
| Members | 5,341 |
| Loans Outstanding | $146.9M |
| Shares & Deposits | $165.9M |
| Net Worth | $17.1M |
| Net Worth Ratio | 9.27% |
| Loan-to-Share Ratio | 88.5% |
| Delinquency Rate | 0.59% |
| Net Income | +$700,415 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Massachusetts RankingsFrequently Asked Questions
Yes. RIVER WORKS is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, RIVER WORKS has 5,341 members and a potential membership field of 1,000,000 people.
RIVER WORKS's net worth ratio is 9.27% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.3%, RIVER WORKS meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or RIVER WORKS. All financial data is for informational purposes only.