Bay City, Michigan · Peer group 5
United Bay Community Credit Union
United Bay Community Credit Union holds $304.4M in assets across 18,870 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1949. Charter number 61186, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $304.4M |
|---|---|
| Total loans | $242.9M |
| Total shares (deposits) | $280.2M |
| Net worth | $22.3M |
| Members | 18,870 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.8% | |
|---|---|---|
| Loans | 3.9% | around the 58th percentile of its peer group |
| Deposits | 2.5% | around the 44th percentile of its peer group |
| Members | 2.0% | around the 76th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 86.7% | around the 82nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 7.4% | lower than 99% of its peer group |
| Return on assets | 0.42% | around the 31st percentile of its peer group |
| Delinquency ratio | 0.52% | around the 43rd percentile of its peer group |
| Cash / assets | 9.1% | around the 40th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is United Bay Community Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Kalsee Credit Union
Kalamazoo, MI
$293.3M · 21,952 members
- Preferred Credit Union
Grand Rapids, MI
$317.9M · 23,429 members
- Forest Area Credit Union
Fife Lake, MI
$317.9M · 21,325 members
- Soo Co-Op Credit Union
Sault Sainte Ma, MI
$324.8M · 24,668 members
- North Central Area Credit Union
Houghton Lake, MI
$269.4M · 20,236 members
- Advantage One Credit Union
Brownstown, MI
$266.0M · 17,805 members
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