United Bay Community Credit Union is a federally insured state-chartered credit union headquartered in Bay City, Michigan, in business for about 77 years. At the end of Q2 2026 it reported $301.7M in total assets and $276.1M in member shares and deposits, with 6 offices.
Based on its Q2 2026 filing, United Bay Community Credit Union scores 55/100, which we describe as moderate. That is higher than only 12% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 160th. Its strongest component is problem-loan coverage (87/100; 6.5%), and its lowest is capital cushion (25/100; 7.54%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (53 → 55), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 50 |
| Q4 2024 | 51 |
| Q1 2025 | 51 |
| Q2 2025 | 53 |
| Q3 2025 | 53 |
| Q4 2025 | 52 |
| Q1 2026 | 55 |
| Q2 2026 | 55 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.45% |
| Q3 2024 | 7.40% |
| Q4 2024 | 7.37% |
| Q1 2025 | 7.28% |
| Q2 2025 | 7.20% |
| Q3 2025 | 7.25% |
| Q4 2025 | 7.39% |
| Q1 2026 | 7.43% |
| Q2 2026 | 7.54% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.66% |
| Q4 2024 | 0.60% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.47% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.52% |
| Q2 2026 | 0.60% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.28% |
| Q4 2025 | 0.41% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $301.7M | 7.54% | 0.60% | 0.50% | 89.7% |
| Q1 2026 | 55 | $304.4M | 7.43% | 0.52% | 0.42% | 86.7% |
| Q4 2025 | 52 | $297.0M | 7.39% | 0.76% | 0.41% | 89.1% |
| Q3 2025 | 53 | $296.2M | 7.25% | 0.52% | 0.28% | 89.6% |
| Q2 2025 | 53 | $300.7M | 7.20% | 0.47% | 0.14% | 87.0% |
| Q1 2025 | 51 | $296.1M | 7.28% | 0.59% | 0.03% | 85.5% |
| Q4 2024 | 51 | $284.1M | 7.37% | 0.60% | 0.07% | 88.0% |
| Q3 2024 | 50 | $281.5M | 7.40% | 0.66% | 0.05% | 89.3% |
| Q2 2024 | 53 | $282.6M | 7.45% | 0.45% | 0.05% | 88.5% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kalsee Credit UnionCredit union Kalamazoo, MI | 70 out of 100, Strong | $291.5M | 10.6% | 0.31% | vs |
| Preferred Credit UnionCredit union Grand Rapids, MI | 87 out of 100, Very strong | $318.1M | 14.3% | 0.37% | vs |
| Forest Area Federal Credit UnionCredit union Fife Lake, MI | 71 out of 100, Strong | $318.3M | 12.8% | 1.92% | vs |
| Soo Co-Op Credit UnionCredit union Sault Sainte Ma, MI | 88 out of 100, Very strong | $324.4M | 13.7% | 0.32% | vs |
| North Central Area Credit UnionCredit union Houghton Lake, MI | 72 out of 100, Strong | $271.7M | 11.6% | 0.95% | vs |
| St. Francis X Federal Credit UnionCredit union Petoskey, MI | 89 out of 100, Very strong | $268.8M | 13.9% | 0.11% | vs |
Deposit insurance
Is my money safe at United Bay Community Credit Union?
Yes. United Bay Community Credit Union is a federally insured credit union (NCUA charter #61186). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.9% of shares and deposits ($2.6M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 7.54%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
6 locations
Branches
United Bay Community Credit Union lists 6 offices in 5 cities. Most locations:
- Bay City, MI (2)
- Coleman, MI (1)
- Mattawan, MI (1)
- Pinconning, MI (1)
- Portage, MI (1)
HMDA 2025
Mortgage lending
In 2025, United Bay Community Credit Union reported 226 home-loan applications under HMDA (LEI 25490029YJHFABABT680): 192 originated ($19,650,000 total), 18 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- United Bay Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 61186
- RSSD ID
- 281890
- Primary regulator
- State + NCUA
- Established
- 1949
- Headquarters
- 1309 N Lincoln St, Bay City, MI 48708
- Employees
- 76
Quick answers
United Bay Community Credit Union: common questions
Is United Bay Community Credit Union NCUA insured?
Yes. United Bay Community Credit Union is a federally insured credit union (NCUA charter #61186). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is United Bay Community Credit Union's TellerScore?
55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does United Bay Community Credit Union have?
6 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Bay City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Health Advantage Federal Credit UnionCredit union Saginaw, MI | 82 out of 100, Strong | $179.3M | 13.4% | 0.33% | vs |
| Consumers Professional Credit UnionCredit union Lansing, MI | 81 out of 100, Strong | $149.7M | 16.8% | 1.28% | vs |
| Genisys Credit UnionCredit union Auburn Hills, MI | 81 out of 100, Strong | $6.6B | 15.5% | 1.09% | vs |
| Thumb Bank and TrustBank Pigeon, MI | 77 out of 100, Strong | $673.3M | 9.4% | 0.03% | vs |
| 1st State BankBank Saginaw, MI | 76 out of 100, Strong | $490.1M | 12.3% | 0.35% | vs |
| Financialedge Credit UnionCredit union Bay City, MI | 74 out of 100, Strong | $147.2M | 12.3% | 0.66% | vs |