PackageTrendsPeer
Letter portraitLegal landscape

Marlin Employees

North Haven, CT · Charter 60834

Q4 1999

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Marlin Employees

North Haven, CT · Charter 60834

Q4 1999

$906KAssets
$294KLoans
$840KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -4.42%, down 717 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 12.48% of loans (+918 bps YoY).
  • Funding: loans stand at 35.01% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-4.42%-717 bps YoY

Net Interest Margin (YTD, annualized)

3.48%
n/a

Efficiency Ratio (YTD, annualized)

228%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.33%3.95%2.37%2.75%2.80%2.40%-0.47%-4.42%-717 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.48%n/an/a
Efficiency Ration/an/an/an/an/an/an/a228%n/an/a
Growth
Asset Growth (YoY)14.33%10.06%-0.95%-5.02%-9.65%-0.90%-1.57%-7.94%-292 bps
Loan Growth (YoY)16.13%8.79%-5.88%-8.57%-16.87%-31.94%-44.15%-50.57%-4,200 bps
Share Growth (YoY)17.89%13.16%1.72%-2.95%-11.13%-0.97%-0.12%-5.95%-300 bps
Asset Quality
Delinquent Loans / Loans1.71%1.04%0.26%3.29%5.49%7.49%7.01%12.48%+918 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.45%1.68%1.58%2.14%2.73%3.03%2.25%4.67%+253 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares63.81%72.32%69.97%66.61%59.69%49.70%39.12%35.01%-3,160 bps
Liquid Assets / Assets32.68%18.75%7.43%11.89%15.77%51.13%47.55%52.55%+4,066 bps