Charter 61365 · Traverse City, MI
4front Credit Union
4front Credit Union is a state-chartered credit union in Traverse City, Michigan, with $1.04 billion in assets and 103,869 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.15%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.04 billion
- +1.3% in a year
- Members
- 103,869
- -1.7% in a year
- Net worth ratio
- 10.15%
- Peer median 10.79%
- Loans 60+ days late
- 1.73%
- Peer median 0.67%
- Loans outstanding
- $751 million
- +2.7% in a year
- Shares and deposits
- $930 million
- +4.4% in a year
- Branches
- 23
- 294 employees
- Opened
- 1954
- Michigan charter
How 4front Credit Union compares
NCUA groups credit unions by size; 4front Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.15% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.73%, is higher than the group median of 0.67%. Loans grew 2.7% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 27 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.04 billion | 103,869 | $751 million | 10.15% | 1.73% |
| Q1 2026 | $1.02 billion | 104,651 | $727 million | 9.98% | 1.62% |
| Q4 2025 | $1.04 billion | 104,200 | $727 million | 9.81% | 2.11% |
| Q3 2025 | $1.03 billion | 103,685 | $746 million | 9.66% | 1.09% |
| Q2 2025 | $1.02 billion | 105,681 | $731 million | 9.43% | 0.78% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 10 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 23 sites for 4front Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- US31
3745 N Us Highway 31 S, Traverse City, MI 49684 - South Airport Office
3323 S Airport Rd W, Traverse City, MI 49684 - Hastings Office
1234 Hastings St, Traverse City, MI 49686 - Mancelona Office
304 S Williams St, Mancelona, MI 49659 - Kalkaska Office
120 County Road 612 Ne, Kalkaska, MI 49646 - Manistee Office
1960 Us Highway 31 S, Manistee, MI 49660 - Career Tech Center Office
Tba Career Tech Center, Traverse City, MI 49686 - West Front St Office
3939 W Front St, Traverse City, MI 49684 - 4Front Credit Union Administrative Offices (main office)
101 N Park St, Traverse City, MI 49684 - Bellaire
515 E Cayuga St, Bellaire, MI 49615 - Boyne City
308 N Lake St, Boyne City, MI 49712 - Charlevoix
1031 May St, Charlevoix, MI 49720 - East Jordan
220 S Lake St, East Jordan, MI 49727 - Petoskey North
2215 E Mitchell Rd, Petoskey, MI 49770 - Petoskey South
1633 Us Highway 131, Petoskey, MI 49770 - Bellaire ATM
210 E Cayuga St, Bellaire, MI 49615 - Boyne Falls
2498 Us Highway 131 S, Boyne Falls, MI 49713 - Cadillac
8807 E 34 Rd, Cadillac, MI 49601 - Holland
177 N River Ave, Holland, MI 49424 - Zeeland
9581 Riley St, Zeeland, MI 49464 - Norton Shores
281 Seminole Rd, Norton Shores, MI 49444 - Pickford
7196 E Charles, Pickford, MI 49774 - Sault Sainte Marie
2701 I 75 Business Spur, Sault Sainte Marie, MI 49783
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology