4FRONT
State-Chartered • Traverse City, Michigan • Est. 1954
Quick Facts
- Charter Number
- #61365
- Type
- State-Chartered
- Established
- 1954
- Headquarters
- Traverse City, Michigan 49684
- Address
- 101 N Park St
- Branches
- 23
- ATMs
- 25
- Members
- 104,651
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 7% and a delinquency rate below 2%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
104,651 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | 4FRONT |
|---|---|
| Total Assets | $1.0B |
| Members | 104,651 |
| Loans Outstanding | $726.8M |
| Shares & Deposits | $919.6M |
| Net Worth | $101.7M |
| Net Worth Ratio | 9.98% |
| Loan-to-Share Ratio | 79.0% |
| Delinquency Rate | 1.62% |
| Net Income | +$874,096 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Michigan
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Michigan RankingsFrequently Asked Questions
4FRONT is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, 4FRONT has 104,651 members and a potential membership field of 10,127,884 people.
4FRONT's reported net worth ratio is 9.98% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or 4FRONT. All financial data is for informational purposes only.