Bay Media Credit Union

12 Mint Plaza
San Francisco, CA 94103
1-800-837-5402
www.baymediafcu.org

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Bay Media Credit Union is headquartered in SAN FRANCISCO and is the 322^nd largest credit union in the state of California. It is also the 4,191^st largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 5 employees and 1,738 members. Bay Media Credit Union has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Bay Media Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.00%	$2k	-	Prestige Checking Account

Bay Media Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	$50k	-	IRA Share Account
0.40%	$25	-	Health Savings Account
0.40%	$50k	-	Roth IRA Share Account
0.40%	$50k	-	Coverdell Education Savings Account
0.25%	$50k	-	Regular Share Account
0.25%	$50k	-	Secondary Share Account
0.05%	$25	-	Holiday Club Account
0.05%	$25	-	Tax Club Account
0.05%	$25	-	Vacation Club Account

Bay Media Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.35%	$50k	-	Money Market Account

Bay Media Credit Union CD Rates

Apy	Min	Max	Product
0.45%	$1k	-	24 Month and Over Share Certificate
0.40%	$1k	-	12 To Less Than 24 Month Share Certificate
0.35%	$1k	-	6 To Less Than 12 Month Share Certificate
0.30%	$1k	-	3 To Less Than 6 Month Share Certificate

Bay Media Credit Union IRA Rates

Apy	Min	Max	Product
0.45%	$1k	-	24 Month and Over IRA Certificate
0.45%	$1k	-	24 Month and Over Roth IRA Certificate
0.45%	$1k	-	24 Month and Over Coverdell ESA Certificate
0.40%	$1k	-	12 To Less Than 24 Month IRA Certificate
0.40%	$1k	-	12 To Less Than 24 Month Roth IRA Certificate
0.40%	$1k	-	12 To Less Than 24 Month Coverdell ESA Certificate
0.35%	$1k	-	6 To Less Than 12 Month IRA Certificate
0.35%	$1k	-	6 To Less Than 12 Month Roth IRA Certificate
0.35%	$1k	-	6 To Less Than 12 Month Coverdell ESA Certificate
0.30%	$1k	-	3 To Less Than 6 Month IRA Certificate
0.30%	$1k	-	3 To Less Than 6 Month Roth IRA Certificate
0.30%	$1k	-	3 To Less Than 6 Month Coverdell ESA Certificate

Rates updated: 5/22/2012

Data for Q4 2011

Institution Statistics

BAY MEDIA
NCUA #	8426
BankRate Report	View
Year Chartered	1953
Employees	5
Primary Regulator
Assets and Liabilities
Assets	$13.21 million
Loans	$4.98 million
Deposits	$11.79 million
Equity Capital	$1.09 million
Loan Loss Allowance	$386,000
Unbacked Noncurrent Loans	$236,000
Historic Data - December 2010
Assets	$13.80 million
Equity Capital	$1.35 million
Loan Loss Allowance	$643,000
Unbacked Noncurrent Loans	$232,000
Profit Margin - Quarterly
Net Interest Margin	8.47%
Return on Assets	-3.78%
Return on Equity	-45.82%
Interest Income	$591,000
Non-Interest Income	$131,000

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bay Media Credit Union had $236,000 in non-current loans and owned real-estate with $1.48 million in equity and loan loss allowances on hand to cover it. This gives Bay Media Credit Union a Texas Ratio of 16.00% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Bay Media Credit Union held steady from 11.66% as of December 31, 2010 to 16.00% as of December 31, 2011, resulting in a negative change of 37.17%. This indicates that the balance sheet and financial strength for Bay Media Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Bay Media Credit Union has decreased its total deposits by $-317,000, resulting in -2.62% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bay Media Credit Union has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bay Media Credit Union has $13.21 million in assets with $1.48 million in equity, resulting in a capitalization level of 11.17%, which is above average.

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