United Bay Community Credit Union
Headquarters: Bay City, Michigan
Overview
United Bay Community Credit Union is a federally insured credit union headquartered in Bay City, Michigan. Bankular currently lists 6 branch locations. Ubay is an official NCUA trade name reported for United Bay Community Credit Union.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Banking brands and divisions
Ubay
Trade name reported in the official NCUA quarterly data package.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where United Bay Community Credit Union has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of United Bay Community Credit Union
Credit Union Coleman
375 E Railway St, Coleman, Michigan, 48618
Branch office
Address and directions →Credit Union Euclid Office
3939 N Euclid Ave, Bay City, Michigan, 48706-2028
Branch office
Address and directions →Credit Union Lincoln Office
1309 N Lincoln St, Bay City, Michigan, 48708-6172
Main office
Address and directions →Credit Union Mattawan
52800 N Main St, Mattawan, Michigan, 49071
Branch office
Address and directions →Credit Union Pinconning Office
205 S Mable St, Pinconning, Michigan, 48650
Branch office
Address and directions →Credit Union Portage
233 W Centre Ave, Portage, Michigan, 49024-5353
Branch office
Address and directions →Financial overview
Latest reported figures
Through March 31, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| March 31, 2026 | $304.43M | $280.22M | — | — |
Size and reach
How this institution compares
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More on United Bay Community Credit Union
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Branch locations
6 listed locations.
Explore →Compare this institution
Compare size, financial metrics, rates and access.
Explore →State banking market
Explore institutions and deposit-market context in Michigan.
Explore →Bay City banking market
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Explore →Rankings and research
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Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is United Bay Community Credit Union federally insured?
Yes. Bankular identifies this institution in the NCUA database under charter 61186.
Where is United Bay Community Credit Union headquartered?
United Bay Community Credit Union is headquartered in Bay City, Michigan, at 1309 N Lincoln St, Bay City, Michigan, 48708-6172.
How many locations does United Bay Community Credit Union have?
Bankular currently lists 6 branch locations for this institution.
How is Ubay connected to United Bay Community Credit Union?
Trade name reported in the official NCUA quarterly data package.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.