RIVER WORKS
Charter #66346 | MA
100M-500M
(1077 CUs)
Micro
($0-$500M)
32 100M-500M in MA
RIVER WORKS has 12 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 0.4% in tier
- + Wallet Share Momentum: Top 0.5% in tier
- + Emerging Performer: Top 21.6% in tier
- + Organic Growth Leader: Top 23.7% in tier
- + Organic Growth Engine: Top 29.3% in tier
- + Net Charge-Off Rate: Top 0.6% in tier
- + AMR Growth Rate: Top 1.1% in tier
- + Loan-to-Member Ratio (LMR): Top 1.3% in tier
- + Average Member Relationship (AMR): Top 1.4% in tier
- + Asset Growth Rate: Top 1.9% in tier
- + Deposit Growth Rate: Top 2.0% in tier
- + Loan Growth Rate: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.9% in tier
- - Growth-at-Risk: Bottom 5.1% in tier
- - Credit Quality Pressure: Bottom 17.8% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 11.20% above tier (higher cost structure)
- - Delinquency rate 0.04% above tier average
- - Share Certificate Concentration (%): Bottom 0.3% in tier
- - First Mortgage Concentration (%): Bottom 3.8% in tier
- - Total Members: Bottom 4.3% in tier
- - Members Per Employee (MPE): Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,497
+1.4% YoY0% QoQ
|
-10.1K |
15,628
-3.4% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 4.2% in tier |
| Assets |
$185.3M
+22.8% YoY-0.7% QoQ
|
$-46.0M |
$231.3M
-0.0% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
46th in tier |
| Loans |
$143.9M
+25.8% YoY-0.3% QoQ
|
$-3.9M |
$147.8M
-1.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
58th in tier |
| Deposits |
$166.7M
+23.9% YoY-1.6% QoQ
|
$-33.6M |
$200.3M
-0.0% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
48th in tier |
| ROA |
0.4%
+25.9% YoY+5.9% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 21.4% in tier |
| NIM |
2.8%
-4.3% YoY-2.3% QoQ
|
-0.8% |
3.6%
+6.9% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.2% in tier |
| Efficiency Ratio |
88.5%
-4.1% YoY-1.4% QoQ
|
+11.2% |
77.3%
-3.0% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 13.3% in tier |
| Delinquency Rate |
0.9%
+17.5% YoY+157.2% QoQ
|
+0.0 |
0.9%
+7.6% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
66th in tier |
| Loan To Share |
86.3%
+1.5% YoY+1.3% QoQ
|
+13.6% |
72.7%
-1.5% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 22.3% in tier |
| AMR |
$56,494
+23.0% YoY-1.0% QoQ
|
+$32K |
$24,363
+2.9% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 1.5% in tier |
| CD Concentration |
55.3%
+17.4% YoY+0.9% QoQ
|
+30.9% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
0.1%
-56.6% YoY-14.8% QoQ
|
-13.8% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growth
#13 of 1006 • Top 0.4% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
23.01%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$3.8K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
Wallet Share Momentum
growth
#15 of 1006 • Top 0.5% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
23.01%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
Emerging Performer
growth
#405 of 627 • Top 21.6% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.35%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
1.42%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Organic Growth Leader
growth
#313 of 430 • Top 23.7% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
1.42%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#537 of 603 • Top 29.3% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
1.42%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.35%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.15%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Concerns (3)
Efficiency Drag
risk
#69 of 521 • Bottom 3.9% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
88.48%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
0.07% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
1.42%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank improving
Growth-at-Risk
risk
#77 of 446 • Bottom 5.1% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
25.75%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.13% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#441 of 736 • Bottom 17.8% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.13% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (8 metrics)
8
Net Charge-Off Rate
risk
Value:
-0.01%
Peer Avg: 0.47%
#8 of 1077
Top 0.6% in 100M-500M tier
13
AMR Growth Rate
growth
Value:
23.01%
Peer Avg: 3.64%
#13 of 1077
Top 1.1% in 100M-500M tier
15
Loan-to-Member Ratio (LMR)
engagement
Value:
$26,174
Peer Avg: $10,245
#15 of 1077
Top 1.3% in 100M-500M tier
16
Average Member Relationship (AMR)
engagement
Value:
$56,494
Peer Avg: $24,363
#16 of 1077
Top 1.4% in 100M-500M tier
22
Asset Growth Rate
growth
Value:
22.84%
Peer Avg: 4.70%
#22 of 1077
Top 1.9% in 100M-500M tier
23
Deposit Growth Rate
growth
Value:
23.92%
Peer Avg: 4.69%
#23 of 1077
Top 2.0% in 100M-500M tier
25
Loan Growth Rate
growth
Value:
25.75%
Peer Avg: 3.45%
#25 of 1077
Top 2.2% in 100M-500M tier
240
Loan-to-Share Ratio
balance_sheet
Value:
86.32%
Peer Avg: 72.70%
#240 of 1077
Top 22.2% in 100M-500M tier
Top Weaknesses (8 metrics)
1075
Share Certificate Concentration (%)
balance_sheet
Value:
55.34%
Peer Avg: 23.61%
#1075 of 1077
Bottom 0.3% in 100M-500M tier
1037
First Mortgage Concentration (%)
balance_sheet
Value:
65.55%
Peer Avg: 30.43%
#1037 of 1077
Bottom 3.8% in 100M-500M tier
1032
Total Members
engagement
Value:
5,497
Peer Avg: 15,628
#1032 of 1077
Bottom 4.3% in 100M-500M tier
990
Members Per Employee (MPE)
engagement
Value:
219.880
Peer Avg: 332.881
#990 of 1077
Bottom 8.2% in 100M-500M tier
946
Net Interest Margin (NIM)
profitability
Value:
2.80%
Peer Avg: 3.58%
#946 of 1077
Bottom 12.3% in 100M-500M tier
935
Efficiency Ratio
profitability
Value:
88.48%
Peer Avg: 77.28%
#935 of 1077
Bottom 13.3% in 100M-500M tier
914
Net Worth Ratio
risk
Value:
9.17%
Peer Avg: 12.15%
#914 of 1077
Bottom 15.2% in 100M-500M tier
846
Return on Assets (ROA)
profitability
Value:
0.35%
Peer Avg: 0.79%
#846 of 1077
Bottom 21.5% in 100M-500M tier