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
- 18,870
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 7% and a delinquency rate below 2%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
18,870 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UNITED BAY COMMUNITY |
|---|---|
| Total Assets | $304.4M |
| Members | 18,870 |
| Loans Outstanding | $242.9M |
| Shares & Deposits | $280.2M |
| Net Worth | $22.3M |
| Net Worth Ratio | 7.43% |
| Loan-to-Share Ratio | 86.7% |
| Delinquency Rate | 0.52% |
| Net Income | +$322,798 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Michigan
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Michigan RankingsFrequently Asked Questions
UNITED BAY COMMUNITY is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, UNITED BAY COMMUNITY has 18,870 members and a potential membership field of 420,000 people.
UNITED BAY COMMUNITY's reported net worth ratio is 7.43% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or UNITED BAY COMMUNITY. All financial data is for informational purposes only.