4front Credit Union
Traverse City, MI·Charter 61365·cu:61365·CCULR opted in
- #27 of 169Total assets in Michigan
- 103.9Kmembers
- Top 1%Net interest margin vs. peers
- Top 6%Cost of deposits vs. peers
- Top 8%Fee income vs. peers
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at 4front Credit Union
3 of 24 FORFI signals stand out against 309 similar credit unions, based on NCUA data for the quarter.
Delinquent loans rising faster than peersWorth a look: Asset quality 2nd quarter1.73%peers 0.69%+103 bps
4front Credit Union's loans 60+ days delinquent as a share of loans rose 94 bps over the past year to 1.73%. Among 307 similar credit unions, the median rose 4 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Loans 60+ days delinquent as a share of loans | ||
| 1.73% | 0.69% | +103 bps |
| 12-month change | ||
| +94 bps | +4 bps | +90 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. 4front Credit Union itself is left out of every peer median and percentile. How signals work
Borrowed funding falling faster than peersNotable: Funding 2nd quarter0.0%peers 1.6%-1.6 pp
4front Credit Union's borrowings as a share of assets fell 3.9 percentage points over the past year to 0.0%. Among 307 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 0.0% | 1.6% | -1.6 pp |
| 12-month change | ||
| -3.9 pp | 0.0 pp | -3.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. 4front Credit Union itself is left out of every peer median and percentile. How signals work
Share and deposit costs among the lowest of similar credit unionsStrength: Funding 2nd quarter1.01%peers 1.67%-66 bps
4front Credit Union's cost of all shares and deposits was 1.01%, compared with a median of 1.67% among 309 similar credit unions: lower than 94% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 1.01% | 1.67% | -66 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. 4front Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- 4front Credit Union is a state-chartered credit union headquartered in Traverse City, Michigan. It reported $1.0 billion in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $930 million, up 4.4% from a year earlier, and loans totaled $751 million, up 2.7%.
- Its net interest margin on average assets was 4.78% and its annualized return on assets was 0.88% for the quarter.
- Its cost of all shares and deposits was 1.01%, compared with a median of 1.67% among 309 similar credit unions with $1 billion to $3 billion in assets.
- It served 103,869 members, down 1.7% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With 4front Credit Union's own data, FORFI would look at: Which borrowers and segments are migrating toward delinquency, before losses arrive.
Analysis workspaces
Sources and identifiers
- Institution
- 4front Credit Union · Credit union
- NCUA charter
- 61365
- Reporting period
- Peer group
- 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. 4front Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $2.27M | |
| $14.59M | |
| $2.33M | |
| $12.26M | |
| $5.5M | |
| $14.34M | |
| $1.16M | |
| $1.15M | |
| 0.88% | |
| 4.78% | |
| 80.74% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.