| Weiss Ratings |
United Bay Community Credit Union
Bay City, MI |
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| Rating | ||||
| Asset Quality Index | 7.40 | |||
| Capitalization Index | 4.50 | |||
| Liquidity Index | 2.80 | |||
| Profitability Index | 0.50 | |||
| 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 | 5.28% | |||
| 5-Year Asset Growth | 7.88% | |||
| 5-Year Charge-Offs to Average Loans | 0.17% | |||
| Charge-Offs to Average Loans | 0.38% | |||
| Non-Performing Assets to Assets | 0.47% | |||
| Non-Performing Loans to Capital | 6.52% | |||
| Non-Performing Loans to Loans | 0.59% | |||
| Balance Sheet |
United Bay Community Credit Union
Bay City, MI |
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| Total Assets | 296.05M | |||
| Total Deposits | 273.40M | |||
| Capital and Reserves |
United Bay Community Credit Union
Bay City, MI |
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| Capital | 20.32M | |||
| Leverage Ratio | 7.04 | |||
| Loan Loss Reserves to Loans | 0.38% | |||
| Liquidity |
United Bay Community Credit Union
Bay City, MI |
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| Hot Money Ratio | 2.78% | |||
| Liquidity Ratio | 12.16% | |||
| Profitability |
United Bay Community Credit Union
Bay City, MI |
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| 5-Year Return on Average Assets | 0.27% | |||
| Net Income | 21.00K | |||
| Net Interest Spread | 4.33% | |||
| Operating Profit to Average Assets | 0.36% | |||
| Overhead Efficiency Ratio | 92.22% | |||
| Return on Assets | 0.03% | |||
| Return on Equity | 0.41% | |||