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4Front
Traverse City, MI · NCUA Charter #61365 · State charter, federally insured · Chartered 1954
Total assets
$1.04B
Shares & deposits
$929.56M
Total loans
$751.10M
Members
103,869
Net worth
$105.38M
Branches
23
Rank: #465 of 4,299 U.S. credit unions by assets · #27 of 169 in Michigan. Assets changed 1.3% and membership -1.7% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 10.15% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 1.50% |
| Loans to shares & deposits | 80.8% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $963.24M | $848.77M | $0 | $88.14M |
| Jun 2023 | $999.41M | $917.66M | $0 | $95.76M |
| Jun 2024 | $1.04B | $949.78M | $0 | $97.72M |
| Jun 2025 | $1.02B | $890.42M | $0 | $96.71M |
| Jun 2026 | $1.04B | $929.56M | $0 | $105.38M |
Branch footprint
| State | Branches |
|---|---|
| Michigan | 23 |
Similar-sized credit unions
Mirastar ($1.04B) · Heritage ($1.03B)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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