United Bay Community Credit Union Bay City, Michigan
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Data as of · sourced from NCUA 5300 call reports. How we update
United Bay Community Credit Union is a state-chartered credit union headquartered in Bay City, MI, established in 1949 (NCUA charter 61186), and it is regulated and insured by the NCUA. At Q2 2026 it reported 18,969 members and total assets of $301.7M (up 0.3% from Q2 2025), the 65th largest of 169 credit unions headquartered in Michigan. Its net worth ratio was 7.54% at Q2 2026, in the well capitalized band (NCUA's well capitalized line is 7%).
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 61186
- Headquarters
- Bay City, MI
- Established
- 1949
- Total assets, Q2 2026
- $301.7M
- Assets vs Q2 2025
- +0.3%
- Members, Q2 2026
- 18,969
- Net worth ratio, Q2 2026
- 7.54%
- Latest call report
- Q2 2026, NCUA 5300 · United Bay Community Credit Union call report
- Asset rank in state
- 65th of 169 in Michigan
- Routing number
- 272476996
- Branches
- 6
It has 289 more members than on June 30, 2025 (+1.5%). Its net worth ratio was up 0.34 percentage points from 7.20% on June 30, 2025.
Frequently asked about United Bay Community Credit Union
How big is United Bay Community Credit Union?
At Q2 2026 it reported total assets of $301.7M and 18,969 members.
Where is United Bay Community Credit Union headquartered?
It is headquartered in Bay City, MI, United States.
When was United Bay Community Credit Union founded?
It was established in 1949, per NCUA records.
Is United Bay Community Credit Union federally insured?
Yes. It files the NCUA 5300 call report as a federally insured credit union (NCUA charter 61186). Member shares are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
Who regulates United Bay Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is United Bay Community Credit Union well capitalized?
Its net worth ratio was 7.54% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is United Bay Community Credit Union's delinquency ratio?
Its delinquency ratio was 0.60% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is United Bay Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 89.71% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bay City, MI 48708
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1949
- NCUA Charter #
- 61186
- RSSD ID
- 281890
- Members
- 18,969
- Potential members
- 420,000
Size & Membership
Profitability
Q2 annualizedROA, ROE and net interest margin are the quarter's own income, annualized. NCUA's Financial Performance Report annualizes the year to date instead, so after the first quarter its figures differ from ours. Where the 5300 for this quarter and the prior year-end is served, the year-to-date value on NCUA's basis is shown beside each as YTD, over the average of this quarter's and the prior year-end balances. NCUA publishes no ROE; ours uses the same year-to-date basis over average net worth.
Capital & Asset Quality
Net worth category is computed by BankRegReports from the net worth ratio, using NCUA's 7, 6, 4 and 2 percent thresholds. It is not NCUA's determination, which can differ.
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 2. Rank is the estimated share of peers this credit union outperforms; the tag compares it with the median peer. Percentiles are interpolated from the peer group's 10th, 25th, 50th, 75th and 90th percentile values.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 7.54% | 11.43% | under 10th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.57% | 0.81% | 34th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 7.57% | 7.02% | 55th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.27% | 3.70% | 81st top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 83.81% | 76.55% | 24th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.81% | 1.24% | 80th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.60% | 0.68% | 57th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.09% | 4.92% | 59th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 89.71% | 75.66% | 82nd position only |
Quarterly trends
Last 6 quarters from this credit union's own NCUA 5300 call reports. Balances are as of each quarter end; ratios are annualized.
Balances at each quarter end. Shares are the credit-union term for member deposits.
Balances at each quarter end. Net worth is the credit-union equivalent of equity capital.
Net worth over total assets. NCUA calls a credit union well capitalized at 7% and undercapitalized below 6%.
Loans over shares and deposits: how much of member money is lent out rather than invested or held in cash.
Loans 60 or more days past due as a share of total loans.
Annualized, so each point is a rate rather than a running total.
Annualized. Interest income less interest expense, over average earning assets.
Reported member count at each quarter end.
Quarterly trend: last 6 quarters
Quarter-over-quarter movement in the four ratios NCUA watches most, from the credit union's own NCUA 5300 call report filings.
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 7.54% | 0.57% | 0.60% | 89.71% |
| March 31, 2026 | 7.43% | 0.42% | 0.52% | 86.68% |
| December 31, 2025 | 7.39% | 0.82% | 0.76% | 89.06% |
| September 30, 2025 | 7.25% | 0.56% | 0.52% | 89.63% |
| June 30, 2025 | 7.20% | 0.25% | 0.47% | 87.02% |
| March 31, 2025 | 7.28% | 0.03% | 0.59% | 85.52% |
Scroll sideways to see every column.
Source: NCUA 5300 Call Report, standardized by BankRegReports. Credit unions are insured by the National Credit Union Share Insurance Fund (NCUSIF), not the FDIC. See how often this data updates or learn more about our data.