| Weiss Ratings |
United Bay Community Credit Union
Bay City, MI |
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| Rating | ||||
| Asset Quality Index | 7.60 | |||
| Capitalization Index | 4.50 | |||
| Liquidity Index | 2.60 | |||
| Profitability Index | 3.10 | |||
| Stability Index | 3.60 | |||
| 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 | 6.43% | |||
| 5-Year Asset Growth | 7.88% | |||
| 5-Year Charge-Offs to Average Loans | 0.17% | |||
| Charge-Offs to Average Loans | 0.37% | |||
| Non-Performing Assets to Assets | 0.41% | |||
| Non-Performing Loans to Capital | 5.80% | |||
| Non-Performing Loans to Loans | 0.47% | |||
| Balance Sheet |
United Bay Community Credit Union
Bay City, MI |
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| Total Assets | 300.71M | |||
| Total Deposits | 277.16M | |||
| Capital and Reserves |
United Bay Community Credit Union
Bay City, MI |
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| Capital | 20.58M | |||
| Leverage Ratio | 6.96 | |||
| Loan Loss Reserves to Loans | 0.45% | |||
| Liquidity |
United Bay Community Credit Union
Bay City, MI |
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| Hot Money Ratio | 2.72% | |||
| Liquidity Ratio | 9.18% | |||
| Profitability |
United Bay Community Credit Union
Bay City, MI |
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| 5-Year Return on Average Assets | 0.27% | |||
| Net Income | 211.00K | |||
| Net Interest Spread | 4.41% | |||
| Operating Profit to Average Assets | 0.58% | |||
| Overhead Efficiency Ratio | 87.95% | |||
| Return on Assets | 0.14% | |||
| Return on Equity | 2.07% | |||