PackageTrendsPeer
Letter portraitLegal landscape

Media First Credit Union

Pembroke Pines, FL · Charter 24782

Q3 2008

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: Q3 2008, the quarter ended September 30, 2008, 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

Media First Credit Union

Pembroke Pines, FL · Charter 24782

Q3 2008

$14.9MAssets
$9.5MLoans
$12.5MShares
$2.3MNet Worth

Executive Summary

  • Earnings: ROA of -2.05%, down 197 bps year over year; NIM at 4.72%.
  • Asset quality: problem loans at 2.32% of loans (+38 bps YoY).
  • Capital: net worth / assets of 15.74%, down 96 bps from a year ago.
  • Funding: loans stand at 76.04% of shares as of Q3 2008.

Return on Assets (YTD, annualized)

-2.05%-197 bps YoY

Net Interest Margin (YTD, annualized)

4.72%-64 bps YoY

Efficiency Ratio (YTD, annualized)

98.89%+696 bps YoY

Net Worth / Assets

15.74%-96 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets1.04%-0.25%-0.08%-0.08%-0.31%-1.12%-1.10%-2.05%-197 bps
Return on Equity6.35%-1.57%-0.49%-0.50%-1.78%-6.81%-6.68%-13.04%-1,255 bps
Net Interest Margin5.62%5.11%5.34%5.36%5.53%4.55%4.70%4.72%-64 bps
Efficiency Ratio78.05%91.05%92.03%91.93%91.61%93.65%96.81%98.89%+696 bps
Growth
Asset Growth (YoY)n/an/an/an/a-7.50%-7.28%-4.61%-4.72%n/a
Loan Growth (YoY)n/an/an/an/a-18.82%-14.34%-11.19%-3.30%n/a
Share Growth (YoY)n/an/an/an/a-8.75%-8.15%-4.72%-3.77%n/a
Asset Quality
Delinquent Loans / Loans1.61%1.53%1.54%1.95%2.47%1.74%2.00%2.32%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.13%1.09%1.21%1.48%1.96%1.98%2.10%2.64%+116 bps
Capital
Risk-Based Capital16.33%15.73%16.46%16.70%17.34%16.45%16.45%15.74%-96 bps
Net Worth / Assets16.33%15.73%16.46%16.70%17.34%16.45%16.45%15.74%-96 bps
Liquidity & Funding
Loans / Shares86.15%76.38%78.26%75.67%76.64%71.23%72.95%76.04%+37 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps