United Bay Community Credit Union

Overview / Commentary
1309 N Lincoln Ave
Bay City, MI 48708-6172

United Bay Community Credit Union is headquartered in Bay City and is the 59th largest credit union in the state of Michigan. It is also the 1,037th largest credit union in the nation. It was established in 1949 and as of September of 2022, it had grown to 73 employees and 18,308 members at 5 locations. United Bay Community Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in United Bay Community Credit Union is open to those who live, work, worship, or attend school in the Michigan counties of Arenac, Bay, Kalamazoo, Midland, Saginaw, or Van Buren.
See current membership details


No reviews have been left for this bank yet. Be the first to review.


Health Grade Components

NCUA #61186
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD1.55%
Annual Interest Income$6.5MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$281.6MM$248.0MM
LoansQ3 2022vs Q3 2021$230.2MM$180.4MM
DepositsQ3 2022vs Q3 2021$243.6MM$225.1MM
Equity CapitalQ3 2022vs Q3 2021$20.0MM$20.7MM
Loan Loss AllowanceQ3 2022vs Q3 2021$418.00K$459.00K
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$774.00K$664.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$90.00K

Rates for United Bay Community Credit Union are currently being reviewed.


United Bay Community Credit Union Locations
Branch Office205 S Mable StPinconning, MI 48650
Branch Office1309 N Lincoln StBay City, MI 48708-6172
Branch Office3939 N Euclid AveBay City, MI 48706-2028
Branch Office52800 N Main StMattawan, MI 49071
Branch Office233 W Centre AvePortage, MI 49024-5353

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.