Bay City, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
18,870
Net Worth Ratio
7.43%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$304.4M
Total Shares
$280.2M
Total Loans
$242.9M
Net Income
$323K
Net Worth Ratio
7.43%
≥7% = Well Capitalized
Members
18,870
Return on Assets
0.11%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.33%
$809K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 222 | 124 | 40 | 55.9% | 18.0% |
No CFPB complaint data available for this credit union.
Lincoln Office
1309 N Lincoln St, Bay City, MI, 48708-6172
9:00 am -5:00 pm Lobby Monday thru Friday 9:00 am - 5:00 pm Drive thru M-T-W-Th-F 9:00 am - 12:00am Drive thru Saturday Open at 10:00 am on Third Wednesday of the Month
Euclid Office
3939 N Euclid Ave, Bay City, MI, 48706-2028
9:00 am thru 5:00 pm Lobby M-T-W-Th-F 9:00 am thru 5:00 pm Drive thru M-T-W-Th-F 9:00 am - 12:00 pm Drive thru Sat Open at 10:00 am on the Third Wednesday of the Month
Pinconning Office
205 S Mable St, Pinconning, MI, 48650
9:00 am -5:00 pm Lobby Monday Thru Friday 9:00 am thru 5:00 pm Drive thru Monday thru Friday 9:00 am -12:00 pm Drive thru Saturday Open at 10:00 am Third Wednesday of the Month
Mattawan
52800 N Main St, Mattawan, MI, 49071
9:00 am - 5:00 pm Lobby Monday thru Friday 9:00 am - 5:00pm Drive Thru Monday thru Friday Open at 10:00 am on the Third Wednesday of the Month
Portage
233 W Centre Ave, Portage, MI, 49024-5353
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<a href="https://bankscorer.com/credit-union/united-bay-community" target="_blank" rel="noopener">View UNITED BAY COMMUNITY on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 86.7%· healthy range 60–80%
9:00 am-5:00 pm Lobby Monday thru Friday 9:00 am thru 5:00 pm Drive Thru Monday thru Friday 9:00 am - 12:00 pm Drive thru Saturday Open at 10:00 am on the Third Wednesday of the Month
Coleman Branch
375 E Railway St, Coleman, MI, 48618
9:00 am - 5:00 pm Lobby Monday thru Friday 9:00 am - 5:00 pm Drive Thru Monday thru Friday Open at 10:00 am on Third Wednesday of the Month