Institution profile
UNITED BAY COMMUNITY
Identity verified through NCUA; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
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NCUA identity
- NCUA charter number
- 61186
- Credit union type
- Federally insured state-chartered credit union
- Federal insurance
- Federally insured through the NCUA / National Credit Union Share Insurance Fund
- Low-income designation
- Yes
NCUA-reported main office
Main office is the location classification reported in the NCUA source and is not presented here as a legal-headquarters determination.
- Address line 1
- 1309 N Lincoln St
- City
- Bay City
- State
- MI
- ZIP
- 48708-6172
- County
- Bay
- Country
- United States
- Phone
- 9898924597
- Hours
- 9:00 am -5:00 pm Lobby Monday thru Friday 9:00 am - 5:00 pm Drive thru M-T-W-Th-F 9:00 am - 12:00am Drive thru Saturday Open at 10:00 am on Third Wednesday of the Month
NCUA quarterly financial summary
Data period: March 31, 2026
- Members
- 18,870
- Total assets
- $304,429,987
- Total loans — all reported loan categories
- $242,891,834
- Shares and deposits
- $280,217,811
- Return on average assets
- 0.43%
- Net worth ratio
- 7.29%
- Loan-to-share ratio
- 86.68%
NCUA total-loan balances are institution-wide and are not presented as mortgage volume.
Four-quarter growth metrics
- Shares/deposits four-quarter growth
- 2.5%
- Loans four-quarter growth
- 3.88%
- Assets four-quarter growth
- 2.83%
- Members four-quarter growth
- 2.03%
- Net-worth four-quarter growth
- 7.42%
Location characteristics
Source-reported location characteristics. These fields are not recommendations or quality indicators.
- Member services
- Yes
- ATM
- Yes
- Drive-thru
- Yes
- Shared service-center network
- No
NCUA source dates
- NCUA call-report date
- March 31, 2026
- NCUA locations data date
- March 31, 2026
- NCUA locations observed
- August 7, 2026
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- Federally insured state-chartered credit union