2026-07-27T09:51:30+00:00 2025-12-31 331498605 Plante & Moran PLLC 750 TRADE CENTER WAY SUITE 300 PORTAGE MI 49002 990 2025-01-01 381395700 UNITED BAY COMMUNITY CREDIT UNION UNIT 9898924597 1309 NORTH LINCOLN AVENUE BAY CITY MI 487086172 DIANE ABBONIZIO CEO 2026-07-27 true JOSHUA T NITZ CPA P01946955 2695674500 2026-06-30 2025 2025-03-06 01:10:19Z DIANE ABBONIZIO 1309 NORTH LINCOLN AVENUE BAY CITY MI 487086172 17957279 false 1359 X WWW.UBCCU.ORG X 1949 MI PROVIDE SERVICE TO OUR MEMBERS 7 7 96 10 17603 0 0 14654463 16570373 1126725 1223039 0 15781188 17793412 0 0 6723832 6890982 0 0 8860379 9671457 15584211 16562439 196977 1230973 284134582 297016927 263962885 275289568 20171697 21727359 PROVIDING OUR MEMBERS THE RESOURCES TO DEVELOP STRONG FINANCIAL ROOTS. false false SERVED APPROXIMATELY 18,870 MEMBERS BY OFFERING LOANS, DEPOSITS, AND VARIOUS OTHER FINANCIAL SOLUTIONS TO ENSURE FINANCIAL SUCCESS TO OUR MEMBERSHIP. 0 false false false false false false false false true false true false false false true false false false false false false false false false false false false false false true false false false false false true false false false false false false false false false false false false false false true 2286 0 true 96 true true true false false false false false false false X 7 7 false false false false true true true true true false false false true true true true false true true true false false X DIANE ABBONIZIO 9898911628 1309 N LINCOLN AVE BAY CITY MI 48708 CHRISTINE HOULE BOARD CHAIR 1.0 0.0 X X 0 0 0 DENNIS GENO TREASURER 1.0 0.0 X X 0 0 0 DONALD GOULET VICE CHAIR 1.0 0.0 X X 0 0 0 KELLY JOHNSON SECRETARY 1.0 0.0 X X 0 0 0 DAVE VENTORNE BOARD MEMBER 1.0 0.0 X 0 0 0 DAVENE IVEY BOARD MEMBER 1.0 0.0 X 0 0 0 LOUIE ROTH BOARD MEMBER 1.0 0.0 X 0 0 0 DIANE ABBONIZIO CEO 60.0 0.0 X 311585 0 61759 DOUG KELLEY CFO 60.0 0.0 X 184318 0 61084 LESLIE WEBB SVP PEOPLE & STRATEGY 60.0 0.0 X 138322 0 43072 TANNER LAYLE SVP INNOVATION & TECHNOLOGY 60.0 0.0 X 119937 0 45516 TERRY LUPTOWSKI VP LENDING 60.0 0.0 X 110769 0 34157 864931 0 245588 5 false true false SERENUS JOHNSON 5178 KASEMEYER ROAD BAY CITY MI 48706 BUILDING REMODEL 1003121 MEMBER DRIVEN TECHNOLOGY 30230 ORCHARD LAKE RD FARMINGTON HILLS MI 48334 TECHNOLOGY SUPPORT 860045 CO-OP SOLUTIONS 9692 HAVEN AVE STE 300 RANCHO CUCAMONGA CA 91730 CARD SERVICES 639186 ANCHOUR 199 LISBON ST SUITE 1A LEWISTON ME 04240 MARKETING 258038 NUSOURCE FINANCIAL 9479 HAMILTON ROAD EDEN PRAIRIE MN 55344 ATM MANAGEMENT 198894 8 0 LOAN INTEREST INCOME 522100 13492184 13492184 FEES AND CHARGES 522100 3058323 3040720 17603 GAIN ON SALE OF MORTGAGES AND LOA 522100 19866 19866 0 0 0 0 16570373 1209363 1209363 0 0 177543 163867 0 13676 13676 13676 0 0 0 0 0 0 17793412 16552770 17603 1223039 618746 4509367 358859 1013809 390201 99103 211964 99099 365641 519440 640727 374701 26554 227415 12 617851 122158 DIVIDENDS PAID ON MEMBER 3120494 CREDIT CARD AND ACCOUNT 965948 PROVISION FOR LOAN LOSS 753287 OVER & SHORT ATM COLLEC 563069 963994 16562439 2830476 2937100 16038810 16288418 70317 228172 4504762 4646212 0 0 229310133 242649974 660350 955138 17560447 8213861 8795399 9346586 15132492 12942672 0 6791843 7022655 284134582 297016927 2330481 1707204 557806 579273 0 0 261074598 273003091 263962885 275289568 X 0 0 20171697 21727359 20171697 21727359 284134582 297016927 1230973 324689 0 X false false false false true X 1212023 1212023 10900626 3659683 7240943 194214 199141 -4927 5253584 4355037 898547 9346586 Federal Income Taxes MEMBER SHARE ACCOUNTS 273003091 273003091 Schedule D, Part IV, Line 2b Explanation of escrow agreement THE CREDIT UNION HOLDS AMOUNTS IN ESCROW ACCOUNTS FOR REAL ESTATE TAXES AND HOME INSURANCE RELATED TO HOME MORTGAGE LOANS. X X false false false DIANE ABBONIZIO CEO 299085 0 12500 0 0 0 41483 0 20276 0 373344 0 0 0 DOUG KELLEY CFO 179318 0 5000 0 0 0 35957 0 25127 0 245402 0 0 0 LESLIE WEBB SVP PEOPLE & STRATEGY 133322 0 5000 0 0 0 17961 0 25111 0 181394 0 0 0 TANNER LAYLE SVP INNOVATION & TECHNOLOGY 114937 0 5000 0 0 0 20389 0 25127 0 165453 0 0 0 DIANE ABBONIZIO CHIEF EXECUTIVE OFFICER SPLIT DOLLAR LIFE INSURANCE X 4200000 4646212 false true true 4646212 Schedule L, Part II (A) NAME OF PERSON: DIANE ABBONIZIO (B) RELATIONSHIP WITH ORGANIZATION: CHIEF EXECUTIVE OFFICER (C) PURPOSE OF LOAN: SPLIT DOLLAR LIFE INSURANCE Form 990, Part VI, Line 6 Classes of members or stockholders EVERY INIDIVIDUAL THAT HAS AN ACCOUNT WITH THE CREDIT UNION IS CONSIDERED A MEMBER OF THE CREDIT UNION Form 990, Part VI, Line 7a Members or stockholders electing members of governing body EVERY MEMBER IS GIVEN ONE VOTE AND IS ABLE TO ELECT BOARD MEMBERS AT THE ANNUAL MEETING Form 990, Part VI, Line 7b Decisions requiring approval by members or stockholders DAY TO DAY DECISIONS OF THE GOVERNING BODY ARE NOT SUBJECT TO APPROVAL BY MEMBERS, HOWEVER MAJOR STRATEGIC DECISIONS, SUCH AS MERGERS, ARE SUBJECT TO APPROVAL BY MEMBERS Form 990, Part VI, Line 11b Review of form 990 by governing body THE GOVERNING BODY IS PROVIDED WITH THE 990 RETURN ONCE IT IS COMPLETED. IT WILL BE REVIEWED BY MANAGEMENT AND THE GOVERNING BODY BEFORE FILING. Form 990, Part VI, Line 12c Conflict of interest policy THE ORGANIZATION REGULARLY AND CONSISTENTLY MONITORS AND ENFORCES COMPLIANCE WITH THE POLICY BY REVIEWING IT THROUGHOUT THE YEAR AND TAKING APPROPRIATE ACTION. IF A BOARD MEMBER HAS A CONFLICT OF INTEREST, THE MEMBER WILL ABSTAIN FROM VOTING ON THE CONFLICTED ISSUE. Form 990, Part VI, Line 15a Process to establish compensation of top management official COMPENSATION IS CALCULATED AND REVIEWED ANNUALLY BASED ON PERFORMANCE, SALARY RANGE IN THE POSITION AND CURRENT ECONOMIC CONDITIONS. THIS PROCESS WAS LAST PERFORMED DURING 2025. Form 990, Part VI, Line 19 Required documents available to the public FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC BY REQUEST ONLY Form 990, Part X, Line 5 PART X, LINE 5 AND SCHEDULE L SCHEDULE L IS NOT REQUIRED FOR LOANS RECEIVABLE BALANCES ON FORM 990, PART X, LINE 5 IF THE LOANS ARE MADE BY THE CREDIT UNION TO THE DIRECTORS, OFFICERS, AND KEY EMPLOYEES ON THE SAME TERMS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION. THEREFORE, THE CREDIT UNION HAS INCLUDED APPROXIMATELY $150,000 AND $190,000 OF RECEIVABLES FROM CURRENT OFFICERS, DIRECTORS, TRUSTEES, KEY EMPLOYEES, AND HIGHEST COMPENSATED EMPLOYEES FOR 2025 AND 2024 RESPECTIVELY, WITHIN FORM 990, PART X, LINE 7. ACCOUNTING PERIOD THE CREDIT UNION REPORTS ON A JUNE 30 FISCAL YEAR FOR FINANCIAL REPORTING PURPOSES AND ON A DECEMBER 31 CALENDAR YEAR FOR TAX PURPOSES.