UNITED BAY COMMUNITY
State-Chartered • Bay City, Michigan • Est. 1949
Quick Facts
- Charter Number
- #61186
- Type
- State-Chartered
- Established
- 1949
- Headquarters
- Bay City, Michigan 48708-6172
- Address
- 1309 N Lincoln St
- Branches
- 6
- ATMs
- 6
- Members
- 18,848
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
18,848 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UNITED BAY COMMUNITY |
|---|---|
| Total Assets | $297.0M |
| Members | 18,848 |
| Loans Outstanding | $243.7M |
| Shares & Deposits | $273.6M |
| Net Worth | $22.0M |
| Net Worth Ratio | 7.39% |
| Loan-to-Share Ratio | 89.1% |
| Delinquency Rate | 0.76% |
| Net Income | +$1,984,261 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 6 ATMs
Lincoln Office
Main Office1309 N Lincoln St
Bay City, MI 48708-6172
Euclid Office
3939 N Euclid Ave
Bay City, MI 48706-2028
Pinconning Office
205 S Mable St
Pinconning, MI 48650
Mattawan
52800 N Main St
Mattawan, MI 49071
Portage
233 W Centre Ave
Portage, MI 49024-5353
Who Can Join UNITED BAY COMMUNITY?
Membership Type: Community
Membership eligibility for UNITED BAY COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact UNITED BAY COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. UNITED BAY COMMUNITY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, UNITED BAY COMMUNITY has 18,848 members and a potential membership field of 420,000 people.
UNITED BAY COMMUNITY's net worth ratio is 7.39% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 7.4%, UNITED BAY COMMUNITY meets this threshold.
UNITED BAY COMMUNITY operates 6 branch locations and has access to 6 ATMs. The main office is located at 1309 N Lincoln St, Bay City, MI 48708-6172.
UNITED BAY COMMUNITY was established in 1949. It is a state-chartered credit union chartered under charter number 61186. The institution has been serving members for 77 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or UNITED BAY COMMUNITY. All financial data is for informational purposes only.