4FRONT
State-Chartered • Traverse City, Michigan • Est. 1954
Quick Facts
- Charter Number
- #61365
- Type
- State-Chartered
- Established
- 1954
- Headquarters
- Traverse City, Michigan 49685
- Address
- PO Box 795
- Branches
- 23
- ATMs
- 25
- Members
- 104,200
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
104,200 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | 4FRONT |
|---|---|
| Total Assets | $1.0B |
| Members | 104,200 |
| Loans Outstanding | $726.8M |
| Shares & Deposits | $892.8M |
| Net Worth | $102.0M |
| Net Worth Ratio | 9.81% |
| Loan-to-Share Ratio | 81.4% |
| Delinquency Rate | 2.11% |
| Net Income | +$13,444,304 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
23 locations · 25 ATMs
US31
3745 N US Highway 31 S
Traverse City, MI 49684-4442
South Airport Office
3323 S Airport Rd W
Traverse City, MI 49684-8108
Hastings Office
1234 Hastings St
Traverse City, MI 49686-4320
Mancelona Office
304 S Williams St
Mancelona, MI 49659
Kalkaska Office
120 County Road 612 NE
Kalkaska, MI 49646-8576
Who Can Join 4FRONT?
Membership Type: Community
Membership eligibility for 4FRONT may vary. Contact the credit union directly to confirm qualification requirements.
Contact 4FRONT directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. 4FRONT is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, 4FRONT has 104,200 members and a potential membership field of 10,140,459 people.
4FRONT's net worth ratio is 9.81% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.8%, 4FRONT meets this threshold.
4FRONT operates 23 branch locations and has access to 25 ATMs. The main office is located at 101 N Park St, Traverse City, MI 49684.
4FRONT was established in 1954. It is a state-chartered credit union chartered under charter number 61365. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or 4FRONT. All financial data is for informational purposes only.