4front

Traverse City, MI · 2 · Charter #61365 · www.4frontcu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.0B
2th percentile
Members
104,200
44th percentile
Total loans
$726.8M
6th percentile
Total shares
$891.8M
6th percentile

Profitability

Return on assets
1.15%
61th percentile
Net interest margin
4.60%
99th percentile
Efficiency ratio
69.42%
2th percentile
Non-interest income ratio
26.53%
90th percentile

Capital & Risk

Net worth ratio
9.82%
28th percentile
Delinquency rate
2.11%
4th percentile
Net charge-off rate
0.66%
30th percentile
Loan-to-share
81.50%
31th percentile

Growth

Member growth YoY
-1.17%
18th percentile
Asset growth YoY
0.48%
13th percentile
Loan growth YoY
-2.03%
11th percentile
Share growth YoY
-0.59%
10th percentile

Operations

Members / branch
4,530
11th percentile
Assets / member
$9,962
1th percentile
Field of membership penetration
1.03%
7th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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