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United Bay Community
Bay City, MI · NCUA Charter #61186 · State charter, federally insured · Chartered 1949
Total assets
$301.75M
Shares & deposits
$276.13M
Total loans
$247.72M
Members
18,969
Net worth
$22.62M
Branches
6
Rank: #1,046 of 4,299 U.S. credit unions by assets · #65 of 169 in Michigan. Assets changed 0.3% and membership 1.5% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 7.54% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.39% |
| Loans to shares & deposits | 89.7% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $264.05M | $238.27M | $0 | $20.84M |
| Jun 2023 | $278.97M | $257.31M | $0 | $20.75M |
| Jun 2024 | $282.55M | $259.61M | $0 | $20.68M |
| Jun 2025 | $300.71M | $277.16M | $0 | $20.93M |
| Jun 2026 | $301.75M | $276.13M | $0 | $22.62M |
Branch footprint
| State | Branches |
|---|---|
| Michigan | 6 |
Similar-sized credit unions
United ($302.11M) · Energy One ($300.68M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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