Sep, 30, 2025 — 4FRONT CREDIT UNION is a federally insured state chartered credit union headquartered in TRAVERSE CITY, MI with 21 branch locations and about $1.03 billion in total assets. Opened 72 years ago in 1954, 4FRONT CREDIT UNION has about 103,685 members and employs 273 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | 4FRONT CREDIT UNION |
|---|---|
| Address: (Main Office) | 101 N Park St TRAVERSE CITY, MI 49684 |
| Phone: | (231) 929-2000 |
| Fax: | (231) 929-7002 |
| Website: | https://www.4frontcu.com |
| Branches: | 21 branch locations |
| Members: | 103,685 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 61365 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $1,030,613,983 |
| CEO/Manager: | Andrew Kempf |
| Chairperson: | Todd Rohrback |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 42,001,947 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 399,206,992 |
| Unsecured Loans | 53,998,371 |
| Other Loans | 292,427,850 |
| TOTAL LOANS | 745,805,523 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -12,402,143 |
| Land And Building | 39,369,007 |
| Other Fixed Assets | 5,571,158 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 8,576,730 |
| All Other Assets | 137,472 |
| TOTAL ASSETS | 1,030,613,983 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 225,599 |
| Notes & Interest Payable | 40,000,000 |
| Accounts Payable & Other Liabilities | 210,134 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 324,119,022 |
| Regular shares | 260,683,816 |
| All Other Shares & Deposits | 310,736,498 |
| TOTAL SHARES & DEPOSITS | 895,539,336 |
| TOTAL LIABILITIES | 936,025,529 |
| Regular Reserve | 0 |
| Other Reserves | 18,663,533 |
| Undivided Earnings | 75,924,921 |
| TOTAL EQUITY | 94,588,454 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 1,030,613,983 |
| INCOME & EXPENSE | |
| Loan Income | 40,117,692 |
| Investment Income | 3,791,644 |
| Other Income | 5,927,362 |
| Total Employee Compensation & Benefits | 17,914,531 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 22,968,819 |
| Non-operating Income & (Expense) | 368,859 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 4,395,946 |
| Cost of Funds | 8,504,591 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 5,555,976 |
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