4FRONT Credit Union Profile

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4FRONT

Charter #61365 | NCUA Region 1 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (231) 929-2000

Fax: (231) 929-7002

Founding Date: N/A

Website: http://www.4frontcu.com

Personnel & Operations

President: Rohrback, Todd

Manager: Kempf, Andrew

FT Employees: 276

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 21

Hours: 9:00 - 5:00 Monday through Friday

Credit Union Profile Summary

4FRONT is a FISCU Credit Union. With a total of 105,681 members ^[1], this institution manages approximately $1,024,015,893 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.43% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -3.36% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,024,015,893

Total economic resources.

Total Loans ^[1]

$731,340,584

Total value of outstanding loans.

Total Deposits ^[1]

$890,416,644

Total funds deposited by members.

Members ^[1]

105,681

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

9.43%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.51%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

82.13%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↓ -1.97%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↓ -3.36%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 1.95%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

101 N Park St

Traverse City, MI, 49684

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 17 branches reported by 4FRONT (Charter #61365).

Main Office

4Front Credit Union Administrative Offices Main Office

Type: Corporate Office

101 N Park St

Traverse City, MI 49684

Phone: (231) 929-2000

Services: Member Services, ATM

4FRONT Credit Union Profile

4FRONT

Headquarters Contact & Staff

Credit Union Profile Summary

Financial Snapshot

Performance Ratios

Four-Quarter Growth

Headquarters Location & Map

Headquarters Address

Member Ratings & Reviews

Rate This Credit Union

Branch Locations

Main Office

4Front Credit Union Administrative Offices Main Office

Additional Branches

Bellaire

Boyne City

Cadillac

Charlevoix

East Jordan

Kalkaska

Mancelona

Manistee

Petoskey

Traverse City