# UNITED BAY COMMUNITY
Bay City, MI · NCUA charter 61186 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/united-bay-community-61186

Who the members are: state charter, organized 1949, low-income designated. 18,870 members of 420,000 potential (4.5% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 83.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $304.4M |
| Members | 18,870 (2.0% YoY) |
| Full-time staff | 65 |
| Net worth | $22.3M |
| Net worth ratio | 7.3% (p1 of band) |
| ROA (annualized) | 0.42% (p30 of band) |
| Total delinquency | 0.52% (p43 of band) |
| Net charge-offs (annualized) | 0.28% (p39 of band) |
| Loans / shares | 87% (p81 of band) |
| Cash / assets | 9.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.07% (p80 of band) |
| Operating expense / assets | 4.32% (p76 of band) |
| Vehicles % of loans | 44% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 67% |
| Third-party paper % of net worth | 317% (p94 of band) |
| Vehicle delinquency | 0.44% (p40 of band) |
| Vehicle NCO | 0.41% (p37 of band) |
| Repossessed % of vehicle book | 0.00% (p51 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 20% |
| Average share balance | $4,826 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $184,418 |
| Loans outstanding per 100 members | 83% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $15,595 |
| Loans granted, annualized | $78.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $184,418 outstanding purchased (0.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | delinquency 2x band |
| 2016-12 | 3 | delinquency 2x band |  |
| 2017-03 | 2 |  | delinquency 2x band |
| 2017-06 | 3 | delinquency 2x band |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | net worth falling | delinquency 2x band |
| 2018-06 | 3 | delinquency 2x band | net worth falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | thin capital |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | thin capital | delinquency 2x band |
| 2020-06 | 4 | net worth falling, members leaving |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 4 | margin squeeze |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 2 |  | members leaving, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | leaning on borrowings |  |
| 2022-12 | 5 | loans>95% of shares |  |
| 2023-03 | 4 | losing money, delinquency rising | net worth falling, leaning on borrowings, loans>95% of shares |
| 2023-06 | 2 |  | losing money, delinquency rising |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 4 | losing money, delinquency rising | assets shrinking |
| 2024-03 | 3 | net worth falling | losing money, delinquency rising |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | net worth falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | net worth falling, delinquency rising |  |
| 2025-06 | 5 | capital below 7% | delinquency rising |
| 2025-09 | 2 |  | net worth falling, capital below 7% |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-08 [DeVos Students Deliver Business Insight Across Great Lakes Bay Region and Beyond - Northwood University](https://news.google.com/rss/articles/CBMisgFBVV95cUxOeWY1enF5LUtKdDRpRk9jSjdxbGUtMGdtbnprV1NvM1JsSWRRdk9OOVhabTM5dlV0OVhTQ3VGWVktNGNydFA5cVRZVkx2MmRsQjVOMzExMjUwYVZXOExqMlEzbmhNNEFGejJyUjlrbWRlQWdrdkpiV3ZjM05QbmU5LVlYbGktOUNwNG9BZUdQYW54STlWTVdrQldWNUVVMmpSVnRIVUN0UEZzU1N5SlMwOGhB?oc=5) · Northwood University
- 2025-08-19 [Michigan Car Dealer Admits to $2 Million Auto Loan Fraud Scheme - CUTimes](https://news.google.com/rss/articles/CBMinwFBVV95cUxQNllPNE0wV25aM3dVa1ZBR2JiUk5WcVUxUXRLQUkxYjdOYksyaHdEUDhkZ1lERzdINkdGY0JZTnJRdmVsZWsyQ3Zua25qQW1tOVFSWWhUVTJSbi1GTGtnNG85YjFGWjVzMFllWk5NLTVGV2l2Y2xLZC1EQXdXTU9SQlJWbkpiZDZnb2ZZcTVXSWU3aV9IYWk2UVFoV1N1aXM?oc=5) · CUTimes
- 2015-11-19 [Bay City credit union wins national contest, gives $10,000 to Ronald McDonald House - MLive.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNbnFuMThLWDFvLWdDVGNpWEJ2RFVPWmQ3QWVKZVFLZG15WVB4RExhOUtlWTdhQU02cHhPN3h2Um9TV1pmbXdlWE1DTFNheXlWSHR6Y0RVZUlRQnJXbnU3R0UyUW1adGxJaVU3QnJ6WkNZeFJYdnluWGR3SURzc1h1bzBJVXZzZw?oc=5) · MLive.com
- 2025-07-17 [Bay Area COC celebrates leadership class graduation - Midland Daily News](https://news.google.com/rss/articles/CBMimAFBVV95cUxPaXV5Snc1blp4V3lpQjhLZnVQUlBQRjJSdkdDV3BYdk5mOFBhLUIyeW95ZDZFRDY3UnhJenpTbVUwNFcwUzg4Zm1IT2IzRmlRWjdfUE9MNmJTNndxM2NmcEUxWlBEc0JhcWRGWWZ6TWZEUF95ZVJnY1E1UW0zVXFveG9vNE5mU3ZLQ3Z4eUxIR214bzhjQWNMTQ?oc=5) · Midland Daily News
- 2026-05-05 [Deborah M. Bond Obituary (2026) - Bay City, MI - Rivertown Funeral Chapel (Ramsay FH Group) - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQUnpkTHJibVh4ZDc5dlR3UFE4cXpZTUdBU2JuVHdsMUFoMm42Rk8tOUljUHpJZDBfRlVhYl9vaEFYcjBiRG9tdGhUMTFod2N4T2dLQlRtNlFOcVJSLVJMZ2N1TEdYTldHWnBlMDNPVGQ2aFVuUXRqZmRoNE1zWmw4TQ?oc=5) · legacy.com
- 2026-04-09 [JoAnn Drouin Obituary | Skorupski Family Funeral Home & Cremation Services | Essexville, MI - Tribute Archive](https://news.google.com/rss/articles/CBMicEFVX3lxTE1CcjVfdExHSTVwWkFFbG5odGNqRVJIaFlSSnpCUEcyOW5vMkJVM082ZmRYQkJLcVEwMllycHlIWFN6SmZTOVlndFRvQkE1QWg5WWpUSGlRT3lVTEFSQUZxMmdjWmdDa2YtU3BIRDNlWVc?oc=5) · Tribute Archive
- 2014-03-25 [Auburn's Terry Luptowski named vice president of lending for United Bay Community Credit Union - MLive.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOX3lYMFB1Qk90N3FYVXlEclZuMGc5Y096VXBMWXE4Uk9XN2FwYldoTWZLZkUxM3JWd2txaUZ5MkRQYnEtLTZoelJoUGt0T1djUnJmSWxHaXZFUHpGOTlSZHk1MlFQdDJPQ0hHaUxxM2RBSnpiYjF0NGV0VWw3WmVZQzRaQTk5YzBmOWNJdXF4WQ?oc=5) · MLive.com
- 2025-11-18 [Local entrepreneurs win nearly $12K in 2025 Business by the Bay Pitch Competition - MLive.com](https://news.google.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?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61186 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/2.json (key "61186", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61186
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide