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 61st largest credit union in the state of Michigan. It is also the 1,062nd largest credit union in the nation. It was established in 1949 and as of September of 2023, it had grown to 73 employees and 18,328 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 - YTD0.08%
Annual Interest Income$8.1MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$272.3MM$281.6MM
LoansQ3 2023vs Q3 2022$230.1MM$230.2MM
DepositsQ3 2023vs Q3 2022$251.1MM$243.6MM
Equity CapitalQ3 2023vs Q3 2022$19.5MM$20MM
Loan Loss AllowanceQ3 2023vs Q3 2022$697K$418K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$1MM$774K
Real Estate OwnedQ3 2023vs Q3 2022$0$0

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


United Bay Community Credit Union Locations
Branch Office375 E Railway StColeman, MI 48618
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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