Civic Intelligence

River Works Credit Union

EIN 04-6061145 • 501(c)14 • Lynn, MA

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Profile

The promotion of thrift among its members by the accumulation of their savings and the loaning of such savings back to its members at a moderate rate of interest.

947 Western AveLynn, MA 01905

rwcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

47th percentile

0.89x

Higher debt load relative to assets than 47% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

58th percentile

16.29x

Higher debt load relative to revenue than 58% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

24th percentile

5.2%

Higher net margin than 24% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

98th percentile

23%

Faster asset growth than 98% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

86th percentile

29%

Faster revenue growth than 86% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$151,358,711

Up $27,844,148 (+23%) from 2023

Liabilities

Up

$134,854,665

Up $27,415,127 (+26%) from 2023

Net Assets

Up

$16,504,046

Up $429,021 (+2.7%) from 2023

Operations
Liabilities / Revenue58th percentileNet Margin24th percentile

Revenue

Up

$8,278,993

Up $1,850,023 (+29%) from 2023

Expenses

Up

$7,849,972

Up $2,286,917 (+41%) from 2023

Net Income

Down

$429,021

Down $436,894 (-50%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth98th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2010: $82,393,305Liabilities 2010: $74,354,030Net Assets 2010: $8,039,2752010Assets 2011: $85,811,458Liabilities 2011: $76,650,755Net Assets 2011: $9,160,7032011Assets 2012: $83,768,299Liabilities 2012: $73,583,676Net Assets 2012: $10,184,6232012Assets 2013: $94,301,131Liabilities 2013: $83,442,902Net Assets 2013: $10,858,2292013Assets 2014: $102,784,517Liabilities 2014: $90,697,812Net Assets 2014: $12,086,7052014Assets 2015: $105,989,301Liabilities 2015: $92,733,940Net Assets 2015: $13,255,3612015Assets 2016: $107,023,616Liabilities 2016: $93,328,893Net Assets 2016: $13,694,7232016Assets 2017: $106,329,845Liabilities 2017: $92,402,502Net Assets 2017: $13,927,3432017Assets 2018: $102,682,814Liabilities 2018: $88,561,371Net Assets 2018: $14,121,4432018Assets 2019: $102,221,120Liabilities 2019: $88,021,190Net Assets 2019: $14,199,9302019Assets 2020: $109,766,973Liabilities 2020: $95,226,045Net Assets 2020: $14,540,9282020Assets 2021: $115,018,497Liabilities 2021: $99,984,252Net Assets 2021: $15,034,2452021Assets 2022: $112,516,103Liabilities 2022: $97,306,993Net Assets 2022: $15,209,1102022Assets 2023: $123,514,563Liabilities 2023: $107,439,538Net Assets 2023: $16,075,0252023Assets 2024: $151,358,711Liabilities 2024: $134,854,665Net Assets 2024: $16,504,0462024

Highlighted filing

2024

Assets$151,358,711
Liabilities$134,854,665
Net Assets$16,504,046
Open 2024 Filing

Operations Trend

Revenue Growth86th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$10M$5.0M$0Expenses 2010: $4,778,8722010Expenses 2011: $4,438,6422011Expenses 2012: $4,205,3602012Revenue 2013: $4,811,426Expenses 2013: $4,067,608Net Income 2013: $743,8182013Revenue 2014: $5,516,148Expenses 2014: $4,213,449Net Income 2014: $1,302,6992014Revenue 2015: $5,534,662Expenses 2015: $4,366,006Net Income 2015: $1,168,6562015Revenue 2016: $6,102,538Expenses 2016: $5,663,176Net Income 2016: $439,3622016Revenue 2017: $4,592,236Expenses 2017: $4,359,616Net Income 2017: $232,6202017Revenue 2018: $4,640,173Expenses 2018: $4,446,073Net Income 2018: $194,1002018Revenue 2019: $4,660,468Expenses 2019: $4,581,981Net Income 2019: $78,4872019Revenue 2020: $5,106,008Expenses 2020: $4,765,010Net Income 2020: $340,9982020Revenue 2021: $5,008,646Expenses 2021: $4,515,329Net Income 2021: $493,3172021Revenue 2022: $4,574,179Expenses 2022: $4,399,314Net Income 2022: $174,8652022Revenue 2023: $6,428,970Expenses 2023: $5,563,055Net Income 2023: $865,9152023Revenue 2024: $8,278,993Expenses 2024: $7,849,972Net Income 2024: $429,0212024

Highlighted filing

2024

Revenue$8,278,993
Expenses$7,849,972
Net Income$429,021
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$151,358,711
Liabilities
$134,854,665
Net assets
$16,504,046
Revenue
$8,278,993
Expenses
$7,849,972
Net income
$429,021
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$151$135$16.5$8.28$7.85$0.43
2023Detailed filing. Detailed filing data is available for this year.$124$107$16.1$6.43$5.56$0.87
2022Detailed filing. Detailed filing data is available for this year.$113$97.3$15.2$4.57$4.40$0.17
2021Detailed filing. Detailed filing data is available for this year.$115$100.0$15.0$5.01$4.52$0.49
2020Detailed filing. Detailed filing data is available for this year.$110$95.2$14.5$5.11$4.77$0.34
2019Detailed filing. Detailed filing data is available for this year.$102$88.0$14.2$4.66$4.58$0.08
2018Detailed filing. Detailed filing data is available for this year.$103$88.6$14.1$4.64$4.45$0.19
2017Detailed filing. Detailed filing data is available for this year.$106$92.4$13.9$4.59$4.36$0.23
2016Detailed filing. Detailed filing data is available for this year.$107$93.3$13.7$6.10$5.66$0.44
2015Detailed filing. Detailed filing data is available for this year.$106$92.7$13.3$5.53$4.37$1.17
2014Detailed filing. Detailed filing data is available for this year.$103$90.7$12.1$5.52$4.21$1.30
2013Detailed filing. Detailed filing data is available for this year.$94.3$83.4$10.9$4.81$4.07$0.74
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$83.8$73.6$10.2$4.21
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$85.8$76.7$9.16$4.44
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$82.4$74.4$8.04$4.78
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 9, 2025
Return Version
2024v5.0
Gross Receipts
$8,278,993
Mission and Program Overview

Mission

The promotion of thrift among its members by the accumulation of their savings and the loaning of such savings back to its members at a moderate rate of interest.

Credit union member service/thrift

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$102,053,761$123,929,794▲ $21,876,033
Rtn Earn Endowment Incm Other Fnds$16,075,025$16,504,046▲ $429,021
Cash and Non-Interest-Bearing Accounts$7,125,992$12,002,478▲ $4,876,486
Savings and Temporary Cash Investments$5,975,580$6,910,151▲ $934,571
Land, Buildings, and Equipment, Net$1,866,493$1,859,720▼ $6,773
Intangible Assets$203,957$203,957→ $0
Investments Other Securities$1,156,700$156,700▼ $1,000,000
Prepaid Expenses and Deferred Charges$95,583$102,271▲ $6,688
Total Assets$123,514,563$151,358,711▲ $27,844,148
Other Assets Total$5,036,497$6,193,640▲ $1,157,143
Liabilities
Other Liabilities$104,288,211$132,879,938▲ $28,591,727
Accounts Payable and Accrued Expenses$2,935,024$1,657,003▼ $1,278,021
Escrow Account Liability$216,303$317,724▲ $101,421
Total Liabilities$107,439,538$134,854,665▲ $27,415,127
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,075,025$16,504,046▲ $429,021
Total Liabilities and Net Assets / Fund Balance$123,514,563$151,358,711▲ $27,844,148

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$406,498$1,934,059-
Land$1,244,667--
Equipment$208,555$914,862-
Leasehold Improvements-$226,312-
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
James DonahueCEO/treasureFT$196,307$32,238$228,545
James DonahueCEO/treasurer-$196,307$32,238$228,545
David JensenLoan OriginaFT$206,415$11,305$217,720
David JensenLoan Originator-$206,415$11,305$217,720
Colleen TwinemAvp OperatioFT$152,181$8,325$160,506
Colleen TwinemAvp Operations-$152,181$8,325$160,506
Peter KopoulosCFOFT$138,062$7,516$145,578
Paul T CrowleyVice ChairpePT$7,964-$7,964

Board Members and Trustees

NameTitle
Kevin J ChilesChairperson
George HonorDirector
Keith KenyonDirector
Kevin MonahanDirector
Nilson GarciaDirector
Tim LongDirector
Paul BarronSecretary/di

Highest Paid Contractors

ContractorServicesLocationCompensation
Connecticut Online - CoccData Processing100 EXECUTIVE BLVD, Southington, CT 06489$556,542
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,329,700
Investment Income
$1,167,335
Other Revenue
$781,958
Change in Net Assets
$429,021

Audited Revenue Reconciliation

Revenue per Audited Statements
$8,278,993
Total Revenue per Audited Statements
$8,278,993
Total Revenue per Form 990
$8,278,993
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,489,092
Salaries, Compensation, and Employee Benefits$2,360,880
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$3,029,776
Other Salaries and Wages---$1,181,596
Current Officers, Directors, Trustees, and Key Employees---$837,651
Information Technology---$611,834
Occupancy---$312,118
Payroll Taxes---$147,624
Depreciation Depletion---$138,147
Other Employee Benefits---$127,132
Advertising---$117,540
Office Expenses---$98,366
Other Expenses---$97,521
Insurance---$79,839
All Other Expenses---$78,065
Pension Plan Contributions---$66,877
Fees for Services Accounting---$50,364
Conferences and Meetings---$21,060
Total Functional Expenses$0$0$0$7,849,972

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$7,849,972
Total Expenses per Audited Statements$7,849,972
Total Expenses per Form 990$7,849,972
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Amy BerbineDaughterW-2 EmployeeNo$44,660
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$132,879,938
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
Yes
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by its members.”

Form 990, Page 6, Part VI, Line 7A

“Credit union members elect their volunteer board of directors who are also members of the credit union. One member, one vote.”

Form 990, Page 6, Part VI, Line 7B

“Any major changes to the credit union's by-laws must be approved by the membership.”

Form 990, Page 6, Part VI, Line 11B

“The cfo prepares financial documents for the 990. The credit union's outside cpa auditor reviews the information and makes any necessary adjustments with the preparation of the 990. The 990 is then reviewed by the ceo and cfo prior to the electronic filing of the report. The 990 is available for the board and supervisory committee to review.”

Form 990, Page 6, Part VI, Line 15A

“Professional credit union compensation surveys are obtained and provided to the board. The board uses this information in conjunction with review of the performance of the ceo to determine an appropriate compensation amount. The board votes on the ceo's compensation.”

Form 990, Page 6, Part VI, Line 15B

“Board committee reviews economy and performance and makes a recommendation to the board of directors. The board of directors votes to approve any wage increase.”

Form 990, Page 6, Part VI, Line 19

“The credit union's bylaws are available upon request. Financial statements are posted in the credit union's main lobby and are available upon request. They can also be viewed on ncua's website.”

Filing and Contact Details

Filer

Filer Name
River Works Credit Union
EIN
04-6061145
Phone
7815990096
Address
947 WESTERN AVE, LYNN, MA 01905

Signing Officer

Name
James Donahue
Title
CEO/treasurer
Phone
7815990096
Signed
2025-06-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Donahue
Formed
1936
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
9
Employees
27
Volunteers
8

Preparer

Firm
Mystic Accounting Group Llp
Address
PO BOX 397, MYSTIC, CT 06355
Preparer
Theodoros Poulopoulos
Phone
8605361040
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Mortgage escrow accounts held for the payment of real estate taxes for municipalities.”

Schedule D, Page 3, Part X

“The credit union follows fasb accounting standards codification 740-10, accounting for uncertainties in income taxes, and has evaluated its tax positions taken for all open years and has determined that there are no uncertain tax positions that qualify for either recognition or disclosure.”

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt8AVP OPERATIO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt10LOAN ORIGINA
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
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IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt01244667
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0226312
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0226312
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0132879938
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
IRS990ScheduleD/RevenueSubtotalAmt08278993
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION FOLLOWS FASB ACCOUNTING STANDARDS CODIFICATION 740-10, ACCOUNTING FOR UNCERTAINTIES IN INCOME TAXES, AND HAS EVALUATED ITS TAX POSITIONS TAKEN FOR ALL OPEN YEARS AND HAS DETERMINED THAT THERE ARE NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 3, PART X
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01859720
IRS990ScheduleD/TotalExpensesPerForm990Amt07849972
IRS990ScheduleD/TotalLiabilityAmt0132879938
IRS990ScheduleD/TotalRevenuePerForm990Amt08278993
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt08278993
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt07849972
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1152181
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2206415
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt030951
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt17234
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt210567
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt2738
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1COLLEEN TWINEM
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2DAVID JENSEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/TREASURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1AVP OPERATIONS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2LOAN ORIGINATOR
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1160506
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2217720
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IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0AMY BERBINE
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IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0W-2 EMPLOYEE
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION EXTENDS CREDIT IN LOANS TO ITS EMPLOYEES AND BOARD OF DIRECTORS USING THE SAME GUIDELINES AS AVAILABLE TO ALL MEMBERS.
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE L, PART V
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS OWNED BY ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION MEMBERS ELECT THEIR VOLUNTEER BOARD OF DIRECTORS WHO ARE ALSO MEMBERS OF THE CREDIT UNION. ONE MEMBER, ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANY MAJOR CHANGES TO THE CREDIT UNION'S BY-LAWS MUST BE APPROVED BY THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CFO PREPARES FINANCIAL DOCUMENTS FOR THE 990. THE CREDIT UNION'S OUTSIDE CPA AUDITOR REVIEWS THE INFORMATION AND MAKES ANY NECESSARY ADJUSTMENTS WITH THE PREPARATION OF THE 990. THE 990 IS THEN REVIEWED BY THE CEO AND CFO PRIOR TO THE ELECTRONIC FILING OF THE REPORT. THE 990 IS AVAILABLE FOR THE BOARD AND SUPERVISORY COMMITTEE TO REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4PROFESSIONAL CREDIT UNION COMPENSATION SURVEYS ARE OBTAINED AND PROVIDED TO THE BOARD. THE BOARD USES THIS INFORMATION IN CONJUNCTION WITH REVIEW OF THE PERFORMANCE OF THE CEO TO DETERMINE AN APPROPRIATE COMPENSATION AMOUNT. THE BOARD VOTES ON THE CEO'S COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD COMMITTEE REVIEWS ECONOMY AND PERFORMANCE AND MAKES A RECOMMENDATION TO THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS VOTES TO APPROVE ANY WAGE INCREASE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION'S BYLAWS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION'S MAIN LOBBY AND ARE AVAILABLE UPON REQUEST. THEY CAN ALSO BE VIEWED ON NCUA'S WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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