Total Assets
$1.0B
Total Deposits
$919.6M
Branches
23
Established
1954
4FRONT is a credit union headquartered in Traverse City, Michigan, established in 1954. It holds $1.0B in total assets across 23 branch locations. In our editorial opinion, based on public FDIC/NCUA data, 4FRONT earns a TFS Financial Health Grade of D (56.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
56.3 / 100
Below average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through March 31, 2026. Updated by TFS August 28, 2026. Data sourced from NCUA Call Reports as of 2026-Q1. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| 4Front Credit Union Administrative OfficesHQ | 101 N Park St | Traverse City | MI | Full Service |
| Bellaire | 515 E Cayuga St | Bellaire | MI | Full Service |
| Bellaire ATM | 210 E Cayuga St | Bellaire | MI | Full Service |
| Boyne City | 308 N Lake St | Boyne City | MI | Full Service |
| Boyne Falls | 2498 US Highway 131 S | Boyne Falls | MI | Full Service |
| Cadillac | 8807 E 34 Rd | Cadillac | MI | Full Service |
| Charlevoix | 1031 May St | Charlevoix | MI | Full Service |
| East Jordan | 220 S Lake St | East Jordan | MI | Full Service |
| Holland | 177 N River Ave | Holland | MI | Full Service |
| Kalkaska Office | 120 County Road 612 NE | Kalkaska | MI | Full Service |
| Mancelona Office | 304 S Williams St | Mancelona | MI | Full Service |
| Manistee Office | 1960 US Highway 31 S | Manistee | MI | Full Service |
| Norton Shores | 281 Seminole Rd | Norton Shores | MI | Full Service |
| Petoskey North | 2215 E Mitchell Rd | Petoskey | MI | Full Service |
| Petoskey South | 1633 US Highway 131 | Petoskey | MI | Full Service |
| Pickford | 7196 E Charles | Pickford | MI | Full Service |
| Sault Sainte Marie | 2701 I 75 Business Spur | Sault Sainte Marie | MI | Full Service |
| Career Tech Center Office | TBA Career Tech Center | Traverse City | MI | Full Service |
| Hastings Office | 1234 Hastings St | Traverse City | MI | Full Service |
| South Airport Office | 3323 S Airport Rd W | Traverse City | MI | Full Service |
| US31 | 3745 N US Highway 31 S | Traverse City | MI | Full Service |
| West Front St Office | 3939 W Front St | Traverse City | MI | Full Service |
| Zeeland | 9581 Riley St | Zeeland | MI | Full Service |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
56.3
Net worth ratio
9.98%
Return on assets
0.34%
60+ day delinquency
1.62%
Suggested direct comparisons
Grand Rapids, MI
$7.5B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.