| Weiss Ratings |
United Bay Community Credit Union
Bay City, MI |
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| Rating | ||||
| Asset Quality Index | 7.40 | |||
| Capitalization Index | 4.70 | |||
| Liquidity Index | 2.20 | |||
| Profitability Index | 3.60 | |||
| Stability Index | 3.80 | |||
| Company Info |
United Bay Community Credit Union
Bay City, MI |
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| NCUA Charter Number | 4436 | |||
| Phone Number | (989) 892-4597 | |||
| Website | www.ubccu.org | |||
| Asset Quality |
United Bay Community Credit Union
Bay City, MI |
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| 1-Year Asset Growth | 5.23% | |||
| 5-Year Asset Growth | 7.88% | |||
| 5-Year Charge-Offs to Average Loans | 0.17% | |||
| Charge-Offs to Average Loans | 0.29% | |||
| Non-Performing Assets to Assets | 0.48% | |||
| Non-Performing Loans to Capital | 6.39% | |||
| Non-Performing Loans to Loans | 0.52% | |||
| Balance Sheet |
United Bay Community Credit Union
Bay City, MI |
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| Total Assets | 296.19M | |||
| Total Deposits | 272.88M | |||
| Capital and Reserves |
United Bay Community Credit Union
Bay City, MI |
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| Capital | 21.08M | |||
| Leverage Ratio | 7.21 | |||
| Loan Loss Reserves to Loans | 0.45% | |||
| Liquidity |
United Bay Community Credit Union
Bay City, MI |
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| Hot Money Ratio | 2.91% | |||
| Liquidity Ratio | 7.48% | |||
| Profitability |
United Bay Community Credit Union
Bay City, MI |
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| 5-Year Return on Average Assets | 0.27% | |||
| Net Income | 623.00K | |||
| Net Interest Spread | 4.46% | |||
| Operating Profit to Average Assets | 0.62% | |||
| Overhead Efficiency Ratio | 87.30% | |||
| Return on Assets | 0.28% | |||
| Return on Equity | 4.05% | |||