PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Bay Community

Bay City, MI · Charter 61186

NCUA · 6 branches

Q2 2026

$301.7MAssets
$247.7MLoans
$276.1MShares
$22.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, up 36 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.60% of loans (+13 bps YoY).
  • Capital: net worth / assets of 7.50%, up 53 bps from a year ago.
  • Funding: loans stand at 89.71% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.50%+36 bps YoY

Net Interest Margin (quarter, annualized)

4.19%+50 bps YoY

Efficiency Ratio (quarter, annualized)

84.86%-309 bps YoY

Net Worth / Assets

7.50%+53 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.05%0.07%0.03%0.14%0.28%0.41%0.42%0.50%+36 bps
Return on Equity0.67%0.94%0.39%2.01%3.89%5.61%5.80%6.64%+462 bps
Net Interest Margin3.61%3.63%3.63%3.69%3.83%3.90%4.07%4.19%+50 bps
Efficiency Ratio92.55%92.35%92.24%87.95%87.30%86.48%85.96%84.86%-309 bps
Growth
Asset Growth (YoY)3.38%3.60%5.29%6.43%5.23%4.53%2.83%0.35%-608 bps
Loan Growth (YoY)0.62%1.10%3.78%4.99%5.64%5.86%3.88%2.72%-227 bps
Share Growth (YoY)3.24%3.28%5.11%6.76%5.28%4.57%2.50%-0.37%-713 bps
Asset Quality
Delinquent Loans / Loans0.66%0.60%0.59%0.47%0.52%0.76%0.52%0.60%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.36%7.32%7.04%6.96%7.21%7.39%7.32%7.50%+53 bps
Net Worth / Assets7.36%7.32%7.04%6.96%7.21%7.39%7.32%7.50%+53 bps
Liquidity & Funding
Loans / Shares89.32%87.98%85.52%87.02%89.63%89.06%86.68%89.71%+270 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps