credit union · NCUA 61186 · MI
How big is UNITED BAY COMMUNITY?
UNITED BAY COMMUNITY (MI, NCUA charter 61186) reported total assets of $301.7M, 18,969 members and a net worth ratio of 7.54% in its Call Report for 2026Q2. That ranks 1046 of 4,299 federally insured credit unions by assets, 287 of 1,061 among credit unions with $100m-$500m in assets, 65 of 169 credit unions in michigan.
What stands out
UNITED BAY COMMUNITY (MI, NCUA charter 61186) reported total assets of $301.7M, 18,969 members and a net worth ratio of 7.54% in its Call Report for 2026Q2. That ranks 1046 of 4,299 federally insured credit unions by assets, 287 of 1,061 among credit unions with $100m-$500m in assets, 65 of 169 credit unions in michigan. Against its size class: net worth ratio 7.54%, below the peer median of 11.65%; loan-to-share ratio 89.71%, above the peer median of 73.15%; return on assets 0.50%, below the peer median of 0.74%. At 7.54% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $301.7M | $198.1M | $186.5M | $68.3M | record → |
| Shares and deposits | $276.1M | $172.3M | $160.8M | $58.3M | record → |
| Loans outstanding | $247.7M | $125.2M | $115.9M | $34.4M | record → |
| Net income (year to date) | $750.7k | $766.3k | $792.8k | $222.2k | record → |
| Net worth | $22.6M | $24.5M | $22.8M | $9.0M | record → |
| Net worth ratio | 7.54% | 11.65% | 12.03% | 12.65% | record → |
| Loan-to-share ratio | 89.71% | 73.15% | 68.71% | 68.70% | computed |
| Return on assets | 0.50% | 0.74% | 0.92% | 0.71% | computed |
| Members | 18,969 | 13,230 | 13,435 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $301.7M | $276.1M | $247.7M | $750.7k | 7.54% | 18,969 | 1046 |
| 2026Q1 | $304.4M | $280.2M | $242.9M | $322.8k | 7.43% | 18,870 | 1040 |
| 2025Q4 | $297.0M | $273.6M | $243.7M | $1.2M | 7.39% | 18,848 | 1041 |
| 2025Q3 | $296.2M | $272.9M | $244.6M | $623.3k | 7.25% | 18,836 | 1044 |
| 2025Q2 | $300.7M | $277.2M | $241.2M | $210.8k | 7.20% | 18,680 | 1038 |
| 2025Q1 | $296.1M | $273.4M | $233.8M | $20.5k | 7.28% | 18,494 | 1043 |
| 2024Q4 | $284.1M | $261.6M | $230.2M | $196.4k | 7.37% | 18,392 | 1051 |
| 2024Q3 | $281.5M | $259.2M | $231.5M | $103.5k | 7.40% | 18,352 | 1056 |
| 2024Q2 | $282.6M | $259.6M | $229.7M | $65.6k | 7.45% | 18,253 | 1058 |
| 2024Q1 | $281.2M | $260.1M | $225.3M | $28.0k | 7.48% | 18,181 | 1057 |
| 2023Q4 | $274.3M | $253.3M | $227.7M | $-38.8k | 7.61% | 18,280 | 1061 |
| 2023Q3 | $272.3M | $251.1M | $230.1M | $11.7k | 7.61% | 18,328 | 1062 |
| 2023Q2 | $279.0M | $257.3M | $229.7M | $13.7k | 7.48% | 18,464 | 1049 |
| 2023Q1 | $279.4M | $257.3M | $231.5M | $-60.9k | 7.47% | 18,522 | 1052 |
| 2022Q4 | $282.6M | $244.8M | $234.9M | $58.2k | 7.63% | 18,552 | 1041 |
| 2022Q3 | $281.6M | $243.6M | $230.2M | $232.6k | 7.91% | 18,308 | 1037 |
| 2022Q2 | $264.1M | $238.3M | $213.2M | $155.2k | 8.14% | 17,885 | 1075 |
| 2022Q1 | $258.6M | $235.7M | $191.9M | $136.2k | 8.05% | 17,463 | 1091 |
| 2021Q4 | $253.8M | $230.2M | $187.1M | $1.3M | 8.15% | 17,405 | 1089 |
| 2021Q3 | $248.0M | $225.1M | $180.4M | $1.3M | 8.32% | 17,345 | 1095 |
| 2021Q2 | $246.0M | $223.2M | $172.9M | $820.2k | 8.19% | 17,294 | 1089 |
| 2021Q1 | $242.9M | $221.2M | $169.6M | $434.5k | 8.13% | 17,412 | 1093 |
| 2020Q4 | $222.8M | $201.9M | $165.9M | $1.5M | 8.67% | 17,518 | 1107 |
| 2020Q3 | $217.9M | $196.5M | $156.8M | $955.0k | 8.61% | 17,682 | 1099 |
| 2020Q2 | $218.2M | $197.6M | $141.5M | $531.0k | 8.40% | 17,688 | 1086 |
| 2020Q1 | $199.8M | $179.5M | $129.3M | $131.5k | 8.98% | 18,298 | 1098 |
| 2019Q4 | $194.5M | $175.4M | $130.1M | $1.4M | 9.15% | 18,455 | 1090 |
| 2019Q3 | $193.8M | $174.6M | $129.9M | $1.2M | 9.06% | 18,517 | 1084 |
| 2019Q2 | $197.6M | $178.7M | $127.4M | $776.0k | 8.69% | 18,578 | 1076 |
| 2019Q1 | $194.9M | $176.7M | $126.7M | $356.3k | 8.59% | 18,748 | 1084 |
| 2018Q4 | $189.7M | $172.8M | $126.6M | $1.5M | 8.68% | 18,770 | 1088 |
| 2018Q3 | $190.9M | $173.9M | $125.0M | $1.1M | 8.41% | 18,677 | 1075 |
| 2018Q2 | $194.3M | $178.0M | $121.9M | $564.3k | 7.99% | 18,584 | 1070 |
| 2018Q1 | $195.8M | $180.2M | $117.8M | $50.3k | 7.81% | 18,558 | 1072 |
| 2017Q4 | $192.1M | $175.8M | $115.8M | $492.5k | 7.79% | 18,493 | 1062 |
| 2017Q3 | $189.5M | $173.1M | $112.9M | $360.1k | 7.82% | 18,446 | 1069 |
| 2017Q2 | $192.3M | $176.8M | $110.3M | $281.9k | 7.67% | 18,368 | 1058 |
| 2017Q1 | $194.8M | $179.1M | $109.8M | $58.9k | 7.46% | 18,614 | 1046 |
| 2016Q4 | $188.8M | $173.5M | $110.5M | $660.9k | 7.66% | 18,528 | 1045 |
| 2016Q3 | $187.9M | $172.7M | $108.8M | $634.9k | 7.65% | 18,441 | 1044 |
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