UNITED BAY COMMUNITY
Charter #61186 · Bay City, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.43% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.28% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 85.96% sits at the 75th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 49th — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | UNITED BAY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $304.43M | 74th pct | 56th pct |
| Members | 18,870 | 73th pct | 49th pct |
| Net worth ratio | 7.43% | 1th pct | 0th pct |
| Return on average assets | 0.43% | 32th pct | 39th pct |
| Net interest margin | 4.12% | 78th pct | 59th pct |
| Cost of funds | 0.00% | 2th pct | 3th pct |
| Loan-to-share | 86.68% | 82th pct | 74th pct |
| Delinquency 60+ days | 0.52% | 43th pct | 31th pct |
| Net charge-off ratio | 0.28% | 41th pct | 23th pct |
| Loan growth YoY | -0.69% | 39th pct | 26th pct |
| Share growth YoY | 2.69% | 38th pct | 33th pct |
| Efficiency ratio | 85.96% | 75th pct | 75th pct |
structural peer set hash: f96d2ef5698c194661fcee51673a52f6… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.