Sep, 30, 2025 — UNITED BAY COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in BAY CITY, MI with 6 branch locations and about $296.19 million in total assets. Opened 77 years ago in 1949, UNITED BAY COMMUNITY CREDIT UNION has about 18,836 members and employs 76 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | UNITED BAY COMMUNITY CREDIT UNION |
|---|---|
| Address: (Main Office) | 1309 N Lincoln St BAY CITY, MI 48708-6172 |
| Phone: | (989) 892-4597 |
| Fax: | (989) 892-5701 |
| Website: | https://www.ubccu.org |
| Branches: | 6 branch locations |
| Members: | 18,836 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 61186 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $296,190,019 |
| CEO/Manager: | Diane Abbonizio |
| Chairperson: | Christine Houle |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 16,585,542 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 111,927,256 |
| Unsecured Loans | 15,711,916 |
| Other Loans | 116,935,947 |
| TOTAL LOANS | 244,575,119 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,107,774 |
| Land And Building | 6,170,067 |
| Other Fixed Assets | 2,992,356 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,601,919 |
| All Other Assets | 141,457 |
| TOTAL ASSETS | 296,190,019 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,234,106 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 43,000,120 |
| Regular shares | 82,446,825 |
| All Other Shares & Deposits | 147,434,038 |
| TOTAL SHARES & DEPOSITS | 272,880,984 |
| TOTAL LIABILITIES | 275,115,090 |
| Regular Reserve | 0 |
| Other Reserves | 12,354,825 |
| Undivided Earnings | 8,720,104 |
| TOTAL EQUITY | 21,074,929 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 296,190,019 |
| INCOME & EXPENSE | |
| Loan Income | 9,928,402 |
| Investment Income | 965,485 |
| Other Income | 2,051,541 |
| Total Employee Compensation & Benefits | 5,144,432 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,272,129 |
| Non-operating Income & (Expense) | 2,148 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 746,856 |
| Cost of Funds | 2,393,081 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 623,256 |
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