United Bay Community
United Bay Community is a credit union based in Bay City, Michigan, established in 1949, with $304 million in total assets serving 18,870 members. By Trust Grade it ranks 164th of 170 credit unions we track in Michigan. Its net worth ratio of 7.4% trails most similarly sized credit unions (1th percentile), versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 0.42% return on assets. No consumer complaints against United Bay Community appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How United Bay Community compares to Michigan peers
How we graded United Bay Community
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.4% capital ratio)
- Profitable (ROA 0.42%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for United Bay Community over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at United Bay Community insured?
Yes. United Bay Community is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
United Bay Community: frequently asked questions
Is United Bay Community a good credit union?
United Bay Community earns a Bankzia Trust Grade of C (77/100, "Average"), based on a financial-strength score of 77/100 (it has no CFPB complaints on record). Well-capitalized (7.4% capital ratio); Profitable (ROA 0.42%).
Is United Bay Community NCUA-insured?
Yes. United Bay Community is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is United Bay Community?
United Bay Community holds $304 million in total assets, ranking 164th of 170 credit unions we track in Michigan. It serves 18,870 members.
Does United Bay Community have CFPB complaints?
No CFPB complaints against United Bay Community appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
