CU Explorer
Credit unions · Michigan · Q2 2026

United Bay Community CU

Credit union in Bay City, MI · NCUA charter #61186 · State charter (federally insured)

Legal name: United Bay Community

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$302M
Total loans & leases$248M
Total shares & deposits$276M
Members18,970
Net worth$22.6M
Net worth / assets7.50%
Loans / assets82.10%
Return on assets (annualized)0.50%
Loan growth (YoY)2.72%
Member growth (YoY)1.55%
Delinquency, all loans (60+ days)0.60%
CharterState charter (federally insured)
Asset band$250M–$1B
NCUA peer group$100M–$500M
Sponsor typeCommunity (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech mortgage lending, fintech secured lending, fintech unsecured lending, fintech participations, fintech P2P payments, fintech for communication / chat, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, external transfers / ACH, remote deposit capture. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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