United Bay Community Credit Union

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

United Bay Community Credit Union is headquartered in Bay City and is the 60th largest credit union in the state of Michigan. It is also the 1,049th largest credit union in the nation. It was established in 1949 and as of June of 2023, it had grown to 71 employees and 18,464 members at 6 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 anyone who lives, works, worships, or attends school in Michigan.
See current membership details


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Health Grade Components

NCUA #61186
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD0.01%
Return on Equity - YTD0.14%
Annual Interest Income$5.3MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$279.0MM$264.1MM
LoansQ2 2023vs Q2 2022$229.7MM$213.2MM
DepositsQ2 2023vs Q2 2022$257.3MM$238.3MM
Equity CapitalQ2 2023vs Q2 2022$19.8MM$20.3MM
Loan Loss AllowanceQ2 2023vs Q2 2022$384.00K$420.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$755.00K$796.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0

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
Branch Office375 E Railway StColeman, MI 48618

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