Charter 61186 · Bay City, MI
United Bay Community Credit Union
United Bay Community Credit Union is a state-chartered credit union in Bay City, Michigan, with $302 million in assets and 18,969 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 7.54%, above the 7% that NCUA's rules treat as well capitalized.
Also does business as Ubay.
- Total assets
- $302 million
- +0.3% in a year
- Members
- 18,969
- +1.5% in a year
- Net worth ratio
- 7.54%
- Peer median 11.65%
- Loans 60+ days late
- 0.60%
- Peer median 0.70%
- Loans outstanding
- $248 million
- +2.7% in a year
- Shares and deposits
- $276 million
- -0.4% in a year
- Branches
- 6
- 76 employees
- Opened
- 1949
- Michigan charter
How United Bay Community Credit Union compares
NCUA groups credit unions by size; United Bay Community Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 7.54% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.60%, is lower than the group median of 0.70%. Loans grew 2.7% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 65 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $302 million | 18,969 | $248 million | 7.54% | 0.60% |
| Q1 2026 | $304 million | 18,870 | $243 million | 7.43% | 0.52% |
| Q4 2025 | $297 million | 18,848 | $244 million | 7.39% | 0.76% |
| Q3 2025 | $296 million | 18,836 | $245 million | 7.25% | 0.52% |
| Q2 2025 | $301 million | 18,680 | $241 million | 7.20% | 0.47% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 420,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for United Bay Community Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Lincoln Office (main office)
1309 N Lincoln St, Bay City, MI 48708 - Euclid Office
3939 N Euclid Ave, Bay City, MI 48706 - 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 - Coleman Branch
375 E Railway St, Coleman, MI 48618
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology