PackageTrendsPeer
Letter portraitLegal landscape

Marin General Hospital Employees

San Rafael, CA · Charter 64659

Q1 2005

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: Q1 2005, the quarter ended March 31, 2005, 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

Marin General Hospital Employees

San Rafael, CA · Charter 64659

Q1 2005

$2.5MAssets
$711KLoans
$2.3MShares
$247KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -16.98%, down 1,632 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 1.75% of loans (-695 bps YoY).
  • Capital: net worth / assets of 9.68%, down 388 bps from a year ago.
  • Funding: loans stand at 30.90% of shares as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

-16.98%-1,632 bps YoY

Net Interest Margin (YTD, annualized)

2.98%-11 bps YoY

Efficiency Ratio (YTD, annualized)

497%+38,463 bps YoY

Net Worth / Assets

9.68%-388 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets-0.66%-0.81%-1.27%-1.73%-16.98%-1,632 bps
Return on Equity-4.90%-6.00%-9.43%-13.16%-175.45%-17,054 bps
Net Interest Margin3.09%3.17%3.07%3.09%2.98%-11 bps
Efficiency Ratio112.53%107.91%116.25%124.59%497%+38,463 bps
Growth
Asset Growth (YoY)5.39%3.38%-1.87%-4.73%-12.86%-1,825 bps
Loan Growth (YoY)-8.28%-10.86%-15.85%-21.48%-29.43%-2,115 bps
Share Growth (YoY)6.82%4.73%-0.98%-3.62%-8.87%-1,569 bps
Asset Quality
Delinquent Loans / Loans8.70%5.20%5.90%6.00%1.75%-695 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.83%0.84%0.38%1.59%0.00%-83 bps
Capital
Risk-Based Capital13.56%13.54%13.49%13.16%9.68%-388 bps
Net Worth / Assets13.56%13.54%13.49%13.16%9.68%-388 bps
Liquidity & Funding
Loans / Shares39.91%40.46%38.10%36.17%30.90%-900 bps
Liquid Assets / Assets43.42%63.40%40.00%48.55%50.36%+694 bps