4FRONT
Traverse City, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
104,651
Net Worth Ratio
9.98%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$1.02B
Peer Group 6
Members
104,651
as of latest quarter
Net Worth Ratio
9.98%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$1.02B
Total Shares
$919.6M
Total Loans
$726.8M
Net Income
$874K
Net Worth Ratio
9.98%
≥7% = Well Capitalized
Members
104,651
Return on Assets
0.09%
annualized · >0.5% healthy
Delinquency Rate (60d+)
1.53%
$11.1M
Loan-to-share ratio: 79.0%· healthy range 60–80%
Branch Locations
NCUA4Front Credit Union Administrative Offices
101 N Park St, Traverse City, MI, 49684
9:00 - 5:00 Monday through Friday
South Airport Office
3323 S Airport Rd W, Traverse City, MI, 49684-8108
Mon - F 9am-530pmSat 9am-1pm
Hastings Office
1234 Hastings St, Traverse City, MI, 49686-4320
Lobby M-F 9:00 am to 5:30 pm Lobby Sat 9:00 am to 1:00 pm Drive Thru M-Fri 8:00 am - 6:00 pm Drive Thru Sat 9:00 am to 2:00 pm
Mancelona Office
304 S Williams St, Mancelona, MI, 49659
9:00 - 5:30 Monday through Friday Interactive Teller Machines (ITM) 7;00 - 7;00 p.m. Monday-Friday, Sat. 9:00 2:00 p.m.
Kalkaska Office
120 County Road 612 NE, Kalkaska, MI, 49646-8576
9:00 - 5:30 Monday through Friday Interactive Teller Machines (ITM) 7;00 - 7;00 p.m. Monday-Friday, Sat. 9:00 2:00 p.m.
Manistee Office
1960 US Highway 31 S, Manistee, MI, 49660-8931
9:00 - 5:30 Monday through Friday Interactive Teller Machines (ITM) 7;00 - 7;00 p.m. Monday-Friday, Sat. 9:00 2:00 p.m.
Career Tech Center Office
TBA Career Tech Center, Traverse City, MI, 49686
9:00 a.m. - 2:00 p.m. Monday - Friday When classes are in session
West Front St Office
3939 W Front St, Traverse City, MI, 49684-7816
9:00 - 5:30 Monday through Friday Interactive Teller Machines (ITM) 7;00 - 7;00 p.m. Monday-Friday, Sat. 9:00 2:00 p.m.
Bellaire
515 E Cayuga St, Bellaire, MI, 49615
Lobby M-F 9am-5pmLobby Sat. 9am-1pm
Boyne City
308 N Lake St, Boyne City, MI, 49712
Lobby M-F 9am - 5pmDrive-Thru M-TH 9am - 5pmDrive Thru F- 8am - 6pmDrive Thru Sat - 9am - 1pm
13 more locations not shown.
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/4front" target="_blank" rel="noopener">View 4FRONT on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.