TLDR:  With a temperature drop from 70°F to 20°, a 16' Royalex hull wants to shrink over 3/8" but a wood gunwale only wants to shrink less than 1/32".  This mismatch causes a lot of stress between the two.
As 
@gumpus said it's the difference in the coefficients of thermal expansion, not the rate of change.  Different sources give different numbers for these coefficients but they don't disagree too much.  One source gives these:
ABS plastics  0.0000410
Vinyl2           0.000045
PVC1(rigid)   0.000035
ALum            0.0000117
Wood, Oak   0.0000027
These values are all in inches per inch per degree Fahrenheit.  As you can see, ABS and vinyl (the two materials in the Royalex sandwich) are pretty similar, aluminum is less, and wood is a 
lot less.  What this means is that if you have a 16' (192") long canoe and you reduce the temperature from 70° to 20°, it will shrink 0.0000410*192*50 or 0.39".  A piece of wood (presumably ash isn't that different from oak) the same length will only shrink 0.026".  So the Royalex hull has grown by over 3/8" but the screws in the gunwales have only moved less than 1/32", a mismatch of 0.36 inches, nearly 3/8".  Something's gotta give!
Now if you assume (not a good assumption, but this is just a thought experiment) that the hull is bigger than the wood gunwale so it's gonna do what the hull wants to do and the wood is along for the ride, we can calculate how much tension it takes to stretch the gunwale 0.36".  To do that we look the 
modulus of elasticity, which for ash is 1363000- 1740000 psi, let's use the average of 1551500.  That is in psi per inch per inch, and for a 1" square gunwale the stress in psi is the tension in pounds.  The actual load to stretch the 16' gunwale 0.36" is then  nearly 3000 lbs!  And that's just one strip; there are two each side of the hull.  
Now the Royalex hull is actually going to be more stretchy (it has a lower modulus of elasticity) so it'll probably stretch (or rather, be prevented from stretching) more than the wood but the shape is complex enough that I'm not going to try to calculate it but either way, it's a lot of force so as I said, something's gotta give.
If you have aluminum gunwales the mismatch will be 0.28", less than wood but still significant.