Soft, subtle and full of different areas of detail. The light filtering through the water onto the sand in the foreground, the meandering s-curve, the tree branch with dead leaves, and snow(?)- nice touches.
I find this a very humble submission that deserves to be rewarded with a 10 for its simplicity. It's color doesn't pop, but it doesn't need it. The contrast is a bit flat, but it's gorgeous the way it is. Could maybe be a bit darker at the top half of your photo to give an illusion of depth