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Marriott Employees

Bethesda, MD · Charter 8680

NCUA · 1 branch

Q4 2022

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 2022, the quarter ended December 31, 2022, 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

Marriott Employees

Bethesda, MD · Charter 8680

NCUA · 1 branch

Q4 2022

$192.7MAssets
$85.0MLoans
$168.8MShares
$18.4MNet Worth

Executive Summary

  • Earnings: ROA of -0.35%, up 22 bps year over year; NIM at 2.22%.
  • Asset quality: problem loans at 0.62% of loans (-14 bps YoY).
  • Capital: net worth / assets of 9.53%, down 54 bps from a year ago.
  • Funding: loans stand at 50.32% of shares as of Q4 2022.

Return on Assets (YTD, annualized)

-0.35%+22 bps YoY

Net Interest Margin (YTD, annualized)

2.22%-4 bps YoY

Efficiency Ratio (YTD, annualized)

107.31%-830 bps YoY

Net Worth / Assets

9.53%-54 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets-0.77%-0.91%-0.82%-0.57%-0.51%-0.41%-0.43%-0.35%+22 bps
Return on Equity-7.52%-8.97%-8.18%-5.70%-5.44%-4.27%-4.42%-3.71%+199 bps
Net Interest Margin2.35%2.35%2.31%2.27%2.04%2.11%2.20%2.22%-4 bps
Efficiency Ratio112.41%115.01%114.98%115.61%113.25%113.23%111.37%107.31%-830 bps
Growth
Asset Growth (YoY)0.74%-4.49%-2.57%-1.27%2.55%3.22%1.55%1.89%+316 bps
Loan Growth (YoY)-11.20%-14.39%-15.30%-9.58%-5.51%1.99%10.16%10.47%+2,005 bps
Share Growth (YoY)2.24%-4.12%-1.86%0.29%3.39%5.94%2.72%0.86%+57 bps
Asset Quality
Delinquent Loans / Loans0.75%0.82%1.05%0.76%0.62%0.38%0.52%0.62%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.26%2.47%2.50%1.97%1.94%1.66%1.60%1.60%-36 bps
Capital
Risk-Based Capital10.19%10.16%10.06%10.07%9.45%9.53%9.62%9.53%-54 bps
Net Worth / Assets10.19%10.16%10.06%10.07%9.45%9.53%9.62%9.53%-54 bps
Liquidity & Funding
Loans / Shares47.07%46.19%45.65%45.95%43.02%44.47%48.95%50.32%+438 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps