State credit union · Bay City, Michigan · NCUA charter #61186
United Bay Community
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $297.0M
- Total assets
- 18,848
- Members
- 7.4%
- Net-worth ratio
United Bay Community scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $297.0M; members 18,848; net-worth ratio 7.43%; health rank #2,801 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,801 of 4,374 health · 2025Q4United Bay Community · health 80/100 · $297.0M · 2025Q4
- RANK 80/100
- PHOTO 7.4%
- BOOK 0.76%
- CHARTER 0.07%
- NCUSIF $297.0M
- CAMELS 18,848
- HEALTH #2,801/4,374
- NW Members1st Community
- DELQ 61186
Call Report peers
United Bay Community in the assets neighbourhood
United Bay Community's $297.0M assets sit next to Members1st Community ($297.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
United Bay Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
United Bay Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61186. See our deposit-insurance coverage note.
United Bay Community: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 89.06% vs peer 72.20% (+16.86 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.68 pp (7.43% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where United Bay Community sits in Michigan
- In Michigan, health place is #141 of 171 on the same NCUA-ratio sort used nationally.
- Assets rank #65 of 171 inside Michigan ($297.0M reported).
- Member book place in Michigan: #66 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
United Bay Community: 2025Q4 → 2026Q1
United Bay Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $297.0M (2025Q4) to $304.4M (2026Q1).
- Net-worth ratio shifted +0.04 pp (7.39% → 7.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.43% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 23.6 pts
- Delinquency Rate 22.4 pts
- Return on Assets 7.5 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 14.5 pts
United Bay Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.43% | -4.68 pp |
| Delinquency Rate | 0.76% | -0.13 pp |
| Return on Assets | 0.07% | -0.56 pp |
| Member Growth | 2.48% | - |
| Loan-to-Share Ratio | 89.06% | +16.86 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - United Bay Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $304.4M | - |
| 2025Q4 | $297.0M | 18,848 |
| 2024Q4 | $284.1M | 18,392 |
| 2023Q4 | $274.3M | 18,280 |
Credit Union Details
- Charter Number
- 61186
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Bay City
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, United Bay Community runs 6 offices in 5 different cities.
| Office | City |
|---|---|
| Lincoln Office (Main Office) | Bay City, MI |
| Euclid Office | Bay City, MI |
| Coleman Branch | Coleman, MI |
| Mattawan | Mattawan, MI |
| Pinconning Office | Pinconning, MI |
| Portage | Portage, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for United Bay Community
United Bay Community's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($297.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- United Bay Community ranks #2,801 of 4,374 nationally on financial health and #141 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KALSEE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KALSEE
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is United Bay Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, United Bay Community carries a financial health score of 80/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,801 of 4,374; by total assets it ranks #1,041 of 4,374 nationally (same basis as /rankings/largest); and #65 of 171 within Michigan. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.43% net worth ratio and a 0.76% delinquency rate.
How does United Bay Community compare to other credit unions?
PlainCU's health composite puts United Bay Community at 80/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join United Bay Community?
Membership eligibility for United Bay Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact United Bay Community directly for current membership requirements and application steps.
Is my money safe at United Bay Community?
Federal credit unions like United Bay Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. United Bay Community's net worth ratio of 7.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United Bay Community offer compared to banks?
Credit unions like United Bay Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact United Bay Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.