United Bay Community Credit Union

United Bay Community Credit Union is headquartered in Bay City and is the 56^th largest credit union in the state of Michigan. It is also the 995^th largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 47 employees and 23,596 members. United Bay Community Credit Union has a 3-star health rating.

United Bay Community Credit Union Routing Number: 272476996

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Data for Q4 2011

Institution Statistics UNITED BAY COMMUNITY NCUA # 61186 BankRate Report View Year Chartered 1949 Employees 47 Primary Regulator Assets and Liabilities Assets $162.47 million Loans $79.46 million Deposits $148.77 million Equity Capital $12.64 million Loan Loss Allowance $546,000 Unbacked Noncurrent Loans $1.21 million Real Estate Owned $838,000 Historic Data - December 2010 Assets $163.87 million Equity Capital $13.12 million Loan Loss Allowance $853,000 Unbacked Noncurrent Loans $913,000 Real Estate Owned $673,000 Profit Margin - Quarterly Net Interest Margin 5.97% Return on Assets 0.01% Return on Equity 0.18% Interest Income $6.33 million Non-Interest Income $2.01 million

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 United Bay Community Credit Union had $2.05 million in non-current loans and owned real-estate with $13.19 million in equity and loan loss allowances on hand to cover it. This gives United Bay Community Credit Union a Texas Ratio of 15.56% 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 United Bay Community Credit Union held steady from 11.35% as of December 31, 2010 to 15.56% as of December 31, 2011, resulting in a negative change of 37.12%. This indicates that the balance sheet and financial strength for United Bay Community Credit Union has held steady in recent periods. Deposit Growth In the past year, United Bay Community Credit Union has decreased its total deposits by $-913,000, resulting in -0.61% 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 United Bay Community Credit Union has shown is 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. United Bay Community Credit Union has $162.46 million in assets with $13.19 million in equity, resulting in a capitalization level of 8.12%, which is average.

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