UNITED BAY COMMUNITY
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
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.
At a Glance
Total Assets
$304.4M
Peer Group 5
Members
18,870
as of latest quarter
Net Worth Ratio
7.43%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
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
Loan-to-share ratio: 86.7%· healthy range 60–80%
Branch Locations
NCUALincoln 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
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
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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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.