United Bay Community Credit Union


Overview / Commentary
800-968-7696
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

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Health
B+

Health Grade Components

Overall
NCUA #61186
Year Chartered1949
Employees73
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

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

Locations


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

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