State credit union · Traverse City, Michigan · NCUA charter #61365
4FRONT
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $1.04B
- Total assets
- 104,200
- Members
- 10.0%
- Net-worth ratio
4FRONT scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.04B; members 104,200; net-worth ratio 9.98%; health rank #3,120 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,120 of 4,374 health · 2025Q44FRONT · health 77/100 · $1.04B · 2025Q4
Call Report peers
4FRONT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
4FRONT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 4FRONT sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
4FRONT vs Over $500M peers
- Loan-to-Share Ratio trails the peer set - 81.41% here, 83.90% peer average (-2.49 pp).
4FRONT: in-state Call Report ranks
- Michigan health ordinal: #148 of 171.
- Michigan assets place: #26 of 171.
- Membership ranks #17 of 171 among Michigan CUs with a reported count (104,200 members).
- One place up in Michigan, Shore to Shore Community (#147) ties at 77/100; one place down, Community Focus (#149) scores 76/100, 1 point lower.
How 4FRONT's 5300 filing moved
4FRONT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.8% from $1.04B (2025Q4) to $1.02B (2026Q1).
- Net-worth ratio shifted +0.17 pp (9.81% → 9.98%).
9.98% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
4FRONT gives up 23 points in total. Delinquency Rate costs the most, 13.2 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.8 pts
- Return on Assets 12.9 pts
- Member Growth 6.9 pts
- Loan-to-Share Ratio 15.4 pts
4FRONT health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.98% | -1.20 pp |
| Delinquency Rate | 2.11% | +1.23 pp |
| Return on Assets | 0.36% | -0.15 pp |
| Member Growth | -1.17% | - |
| Loan-to-Share Ratio | 81.41% | -2.49 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.02B | - |
| 2025Q4 | $1.04B | 104,200 |
| 2024Q4 | $1.03B | 105,437 |
| 2023Q4 | $1.09B | 105,332 |
Credit Union Details
- Charter Number
- 61365
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Traverse City
- Data Quarter
- 2025Q4
Branch Locations (23)
Per its most recent NCUA branch filing, 4FRONT runs 23 offices in 16 different cities.
| Office | City |
|---|---|
| 4Front Credit Union Administrative Offices (Main Office) | Traverse City, MI |
| Bellaire | Bellaire, MI |
| Bellaire ATM | Bellaire, MI |
| Boyne City | Boyne City, MI |
| Boyne Falls | Boyne Falls, MI |
| Cadillac | Cadillac, MI |
| Charlevoix | Charlevoix, MI |
| East Jordan | East Jordan, MI |
| Holland | Holland, MI |
| Kalkaska Office | Kalkaska, MI |
| Mancelona Office | Mancelona, MI |
| Manistee Office | Manistee, MI |
| Norton Shores | Norton Shores, MI |
| Petoskey North | Petoskey, MI |
| Petoskey South | Petoskey, MI |
| Pickford | Pickford, MI |
| Sault Sainte Marie | Sault Sainte Marie, MI |
| US31 | Traverse City, MI |
| South Airport Office | Traverse City, MI |
| Hastings Office | Traverse City, MI |
| Career Tech Center Office | Traverse City, MI |
| West Front St Office | Traverse City, MI |
| Zeeland | Zeeland, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Other-state peers near 4FRONT
Using this data
- 4FRONT ranks #3,120 of 4,374 nationally on financial health and #148 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Michigan Educational is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Michigan Educational
Frequently Asked Questions
Is 4FRONT financially healthy?
4FRONT has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,120 of 4,374 nationally on health and #148 of 171 in Michigan. Its net worth ratio is 9.98% and its delinquency rate 2.11%.
How does 4FRONT compare to other credit unions?
4FRONT scores 77/100, higher than 28% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (81.41% vs 83.90%).
How can I join 4FRONT?
Membership eligibility for 4FRONT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 4FRONT directly for current membership requirements and application steps.
Is my money safe at 4FRONT?
4FRONT is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 4FRONT's net worth ratio of 9.98% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.