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
- BOOK 77/100
- CHARTER 10.0%
- NCUSIF 2.11%
- CAMELS 0.36%
- HEALTH $1.04B
- NW 104,200
- DELQ #3,120/4,374
- ROA St. Mary's
- ASSETS 61365
Call Report peers
4FRONT in the assets neighbourhood
4FRONT's $1.04B assets sit next to St. Mary's ($1.04B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61365. See our deposit-insurance coverage note.
4FRONT vs Over $500M peers
- Loan-to-Share Ratio trails the peer set - 81.41% here, 83.90% peer average (-2.49 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How 4FRONT's 5300 filing moved
4FRONT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.8% from $1.04B (2025Q4) to $1.02B (2026Q1).
- Net-worth ratio shifted +0.17 pp (9.81% → 9.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
4FRONT's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.04B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 4FRONT financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - 4FRONT's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,120 of 4,374; by total assets it ranks #458 of 4,374 nationally (same basis as /rankings/largest); and #26 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.98% net worth ratio and 2.11% delinquency rate are the key drivers.
How does 4FRONT compare to other credit unions?
PlainCU's health composite puts 4FRONT at 77/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like 4FRONT are 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."
What rates does 4FRONT offer compared to banks?
Credit unions like 4FRONT are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 4FRONT directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.