BlastPoint's Credit Union Scorecard
4FRONT
Charter #61365 · MI
4FRONT has 3 strengths but faces 14 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Net Interest Margin 1.34% above tier average
- + Share Certificate Concentration (%): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.2% in tier
- - Stagnation Risk: Bottom 42.9% in tier
- - Indirect Auto Dependency: Bottom 83.6% in tier
- - Efficiency Drag: Bottom 86.5% in tier
- - Membership Headwinds: Bottom 86.9% in tier
- - Institutional Decline: Bottom 100.0% in tier
- - Efficiency ratio 6.44% above tier (higher cost structure)
- - Delinquency rate 1.21% above tier average
- - Average Member Relationship (AMR): Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.0% in tier
- - Total Assets: Bottom 3.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.6% in tier
- - Total Deposits: Bottom 5.3% in tier
- - Total Loans: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
104,200
-1.2% YoY+0.5% QoQ
|
+6.8K |
97,431
-2.4% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$1.0B
+0.5% YoY+0.7% QoQ
|
$-685.3M |
$1.7B
+0.9% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.0% in tier |
| Loans |
$726.8M
-2.0% YoY-2.5% QoQ
|
$-507.6M |
$1.2B
+0.5% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.6% in tier |
| Deposits |
$892.8M
-0.8% YoY-0.3% QoQ
|
$-566.5M |
$1.5B
+0.9% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.0% in tier |
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| ROA |
0.8%
+115.1% YoY+6.0% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
4.6%
+10.7% YoY+0.4% QoQ
|
+1.3% |
3.3%
+9.2% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 2.3% in tier |
| Efficiency Ratio |
80.5%
-3.4% YoY+0.1% QoQ
|
+6.4% |
74.1%
-9.5% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
2.1%
+71.5% YoY+93.9% QoQ
|
+1.2 |
0.9%
+6.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Top 3.6% in tier |
| Loan To Share |
81.4%
-1.2% YoY-2.2% QoQ
|
-3.4% |
84.8%
-0.8% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$15,543
-0.2% YoY-1.8% QoQ
|
$-14K |
$29,428
+2.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.0% in tier |
| CD Concentration |
16.5%
-17.8% YoY+2.8% QoQ
|
-12.5% | 29.0% | 18.6% | 19.8% | Bottom 8.2% in tier |
| Indirect Auto % |
22.6%
-19.2% YoY-4.3% QoQ
|
+4.3% | 18.3% | 11.8% | 7.8% | 65% |
Signature Analysis
Strengths (0)
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)