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UNITED BAY COMMUNITY CREDIT UNION

Dec, 31, 2023 — UNITED BAY COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in BAY CITY, MI with 6 branch locations and about $274.27 million in total assets. Opened 75 years ago in 1949, UNITED BAY COMMUNITY CREDIT UNION has about 18,280 members and employs 80 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 272476996
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:18,280
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, 2023
FHLB Member:Yes
Low Income Designation:No
Assets:$274,268,604
CEO/Manager:Diane Abbonizio
Chairperson:Donald Goulet

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 13,290,498
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 102,474,405
 Unsecured Loans 14,533,743
 Other Loans 110,663,990
 TOTAL LOANS 227,672,138
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -714,708
 Land And Building 6,434,794
 Other Fixed Assets 2,538,257
 NCUSIF Deposit 2,561,943
 All Other Assets 27,000
  TOTAL ASSETS 274,268,604
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 1,168,212
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 43,799,342
 Regular shares 82,069,685
 All Other Shares & Deposits 127,443,938
  TOTAL SHARES & DEPOSITS 253,312,965
  TOTAL LIABILITIES 254,481,177
 Regular Reserve 0
 Other Reserves 11,887,556
 Undivided Earnings 7,899,871
  TOTAL EQUITY 19,787,427
  TOTAL LIABILITIES, SHARES, & EQUITY 274,268,604
INCOME & EXPENSE  
 Loan Income 10,372,482
 Investment Income 631,090
 Other Income 2,538,433
 Total Employee Compensation & Benefits 6,304,084
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 5,306,997
 Non-operating Income & (Expense) -15,791
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 420,815
 Cost of Funds 1,832,628
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -38,794
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