4FRONT
Charter #61365 · Traverse City, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 104,651 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.46% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.62% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 89.30% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 2nd percentile but its structural peers at the 57th — a 56-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | 4FRONT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.02B | 2th pct | 57th pct |
| Members | 104,651 | 43th pct | 85th pct |
| Net worth ratio | 9.98% | 32th pct | 49th pct |
| Return on average assets | 0.34% | 17th pct | 28th pct |
| Net interest margin | 4.46% | 96th pct | 89th pct |
| Cost of funds | 1.14% | 24th pct | 36th pct |
| Loan-to-share | 79.04% | 29th pct | 26th pct |
| Delinquency 60+ days | 1.62% | 95th pct | 93th pct |
| Net charge-off ratio | 0.37% | 30th pct | 38th pct |
| Loan growth YoY | -2.55% | 7th pct | 16th pct |
| Share growth YoY | 2.68% | 25th pct | 44th pct |
| Efficiency ratio | 89.30% | 96th pct | 85th pct |
structural peer set hash: 948ee98a893b40857dde2fa311ccb95f… (reproducible)
Closest structural peers
This is the free public view
Claim 4FRONT
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.