Headquartered in Traverse City, Michigan, 4front Credit Union is a federally insured state-chartered credit union with $1.0B in total assets and $929.6M in member shares and deposits as of Q2 2026. It operates 12 offices. Its charter dates back to 1954.
4front Credit Union has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 11% of its 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 161st. Funding & liquidity contributes the most (79/100, 81% loans-to-deposits, 4% uninsured); loan quality contributes the least (42/100, 1.73%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (60 → 54), mostly because the loan quality component weakened by 32 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 56 |
| Q4 2024 | 55 |
| Q1 2025 | 59 |
| Q2 2025 | 60 |
| Q3 2025 | 60 |
| Q4 2025 | 51 |
| Q1 2026 | 53 |
| Q2 2026 | 54 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.33% |
| Q3 2024 | 9.33% |
| Q4 2024 | 9.61% |
| Q1 2025 | 9.16% |
| Q2 2025 | 9.43% |
| Q3 2025 | 9.66% |
| Q4 2025 | 9.81% |
| Q1 2026 | 9.98% |
| Q2 2026 | 10.15% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 1.06% |
| Q4 2024 | 1.23% |
| Q1 2025 | 0.67% |
| Q2 2025 | 0.78% |
| Q3 2025 | 1.09% |
| Q4 2025 | 2.11% |
| Q1 2026 | 1.62% |
| Q2 2026 | 1.73% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.28% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.72% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.34% |
| Q2 2026 | 0.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $1.0B | 10.15% | 1.73% | 0.61% | 80.8% |
| Q1 2026 | 53 | $1.0B | 9.98% | 1.62% | 0.34% | 79.0% |
| Q4 2025 | 51 | $1.0B | 9.81% | 2.11% | 0.76% | 81.4% |
| Q3 2025 | 60 | $1.0B | 9.66% | 1.09% | 0.72% | 83.3% |
| Q2 2025 | 60 | $1.0B | 9.43% | 0.78% | 0.52% | 82.1% |
| Q1 2025 | 59 | $1.0B | 9.16% | 0.67% | 0.27% | 80.9% |
| Q4 2024 | 55 | $1.0B | 9.61% | 1.23% | 0.36% | 82.4% |
| Q3 2024 | 56 | $1.1B | 9.33% | 1.06% | 0.28% | 80.8% |
| Q2 2024 | 57 | $1.0B | 9.33% | 1.06% | 0.36% | 79.7% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kellogg Community Credit UnionCredit union Battle Creek, MI | 88 out of 100, Very strong | $1.0B | 16.7% | 0.41% | vs |
| Zeal Credit UnionCredit union Livonia, MI | 83 out of 100, Strong | $1.1B | 19.8% | 1.50% | vs |
| Michigan Educational Credit UnionCredit union Plymouth, MI | 75 out of 100, Strong | $1.1B | 11.7% | 0.29% | vs |
| Christian Financial Credit UnionCredit union Sterling Height, MI | 66 out of 100, Moderate | $1.1B | 9.9% | 0.46% | vs |
| Lafcu Credit UnionCredit union Lansing, MI | 72 out of 100, Strong | $1.1B | 20.7% | 1.24% | vs |
| Wildfire Credit UnionCredit union Saginaw, MI | 70 out of 100, Strong | $1.2B | 10.9% | 0.60% | vs |
Deposit insurance
Is my money safe at 4front Credit Union?
Yes. 4front Credit Union is a federally insured credit union (NCUA charter #61365). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 4.3% of shares and deposits ($40.0M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.15%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
12 locations
Branches
4front Credit Union lists 12 offices in 8 cities. Most locations:
- Traverse City, MI (5)
- Bellaire, MI (1)
- Boyne City, MI (1)
- Charlevoix, MI (1)
- Kalkaska, MI (1)
- Mancelona, MI (1)
- Manistee, MI (1)
- Sault Sainte Marie, MI (1)
HMDA 2025
Mortgage lending
In 2025, 4front Credit Union reported 980 home-loan applications under HMDA (LEI 254900REWJG6071ZPT32): 600 originated ($80,490,000 total), 68 denied, and 298 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- 4front Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 61365
- RSSD ID
- 16690
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- PO Box 795, Traverse City, MI 49685
- Employees
- 294
Quick answers
4front Credit Union: common questions
Is 4front Credit Union NCUA insured?
Yes. 4front Credit Union is a federally insured credit union (NCUA charter #61365). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is 4front Credit Union's TellerScore?
54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does 4front Credit Union have?
12 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Traverse City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tba Credit UnionCredit union Traverse City, MI | 86 out of 100, Very strong | $389.9M | 14.8% | 0.42% | vs |
| Alden State BankBank Alden, MI | 86 out of 100, Very strong | $318.4M | 12.7% | 0.26% | vs |
| First Community BankBank Harbor Springs, MI | 77 out of 100, Strong | $413.6M | 9.9% | 0.00% | vs |
| Northwest Consumers Federal Credit UnionCredit union Traverse City, MI | 77 out of 100, Strong | $25.1M | 19.5% | 1.88% | vs |
| Credit Union OneCredit union Ferndale, MI | 76 out of 100, Strong | $1.8B | 11.6% | 0.42% | vs |
| Traverse Catholic Federal Credit UnionCredit union Traverse City, MI | 74 out of 100, Strong | $92.2M | 10.4% | 0.84% | vs |