United Bay Community
Bay City, MI · Charter 61186 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$301.7MAssets
$247.7MLoans
$276.1MShares
$22.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 69% of credit unions under $1B in assets (rank 520 of 1683).
- Widest gap: equity / assets trails 98% of credit unions under $1B in assets (rank 1650 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.50%
Rank 1,139 of 1,683
Net Interest Margin
4.19%
Rank 520 of 1,683
Efficiency Ratio
84.86%
Rank 1,179 of 1,682
Equity / Assets
7.50%
Rank 1,650 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.50% | 0.35% | 0.74% | 1.18% | Beats 32% | 1,139 / 1,683 | |
| Return on Equity | 6.64% | 2.67% | 5.89% | 8.74% | Beats 57% | 719 / 1,681 | |
| Net Interest Margin | 4.19% | 3.31% | 3.82% | 4.32% | Beats 69% | 520 / 1,683 | |
| Efficiency Ratio | 84.86% | 68.91% | 78.20% | 86.93% | Beats 30% | 1,179 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.26% | 0.65% | 1.29% | Beats 53% | 790 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.50% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,650 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.50% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,650 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 89.71% | 52.61% | 69.38% | 83.50% | 86th pctl | 242 / 1,683 | |
| Loans / Assets | 82.10% | 44.71% | 59.18% | 70.72% | 94th pctl | 97 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |