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
Call Report peers
United Bay Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); United Bay Community sits in 80-84 with 767 others.
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: 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%).
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.
- One place up in Michigan, Integra First (#140) ties at 80/100; one place down, The Local (#142) scores 79/100, 1 point lower.
United Bay Community: 2025Q4 → 2026Q1
United Bay Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $297.0M (2025Q4) to $304.4M (2026Q1).
- Net-worth ratio shifted +0.04 pp (7.39% → 7.43%).
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
United Bay Community gives up 20 points in total. Return on Assets costs the most, 7.5 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is United Bay Community financially healthy?
On its 2025Q4 NCUA 5300 filing, United Bay Community scores 80/100 (Excellent), with a 7.43% net worth ratio and 0.76% of loans delinquent. It ranks #2,801 of 4,374 nationally on health and #141 of 171 in Michigan.
How does United Bay Community compare to other credit unions?
United Bay Community scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.06% vs 72.20%). Its widest shortfall is net worth ratio (7.43% vs 12.11%).
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?
United Bay Community is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.