BlastPoint's Credit Union Scorecard
4FRONT
Charter #61365 · MI
4FRONT has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 31.7% in tier
- + Net Interest Margin 1.19% above tier average
- + Share Certificate Concentration (%): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.3% in tier
- - Efficiency Drag: Bottom 9.9% in tier
- - Credit Risk Growth: Bottom 68.5% in tier
- - Indirect Auto Dependency: Bottom 81.2% in tier
- - Stagnation Risk: Bottom 83.1% in tier
- - Membership Headwinds: Bottom 83.1% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 11.75% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 21 that size in Michigan.
- Shares and deposits +4.4% year over year ($930M in shares and deposits).
- Membership: 103,869 members, -1.7% vs a year ago.
- Delinquency rate 1.73%.
- Return on assets 0.61%.
- Efficiency ratio 84.77% vs a 73.02% peer average.
- Loan-to-share ratio 80.80% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
103,869
-1.7% YoY-0.7% QoQ
|
+7.0K |
96,861
-1.9% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$1.0B
+1.3% YoY+1.8% QoQ
|
$-686.5M |
$1.7B
+0.4% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.7% in tier |
| Loans |
$751.1M
+2.7% YoY+3.3% QoQ
|
$-483.1M |
$1.2B
+0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.7% in tier |
| Deposits |
$929.6M
+4.4% YoY+1.1% QoQ
|
$-533.8M |
$1.5B
+0.5% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.3% in tier |
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| ROA |
0.6%
+19.0% YoY+78.0% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
4.6%
+2.8% YoY+2.6% QoQ
|
+1.2% |
3.4%
+6.6% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 3.0% in tier |
| Efficiency Ratio |
84.8%
+1.7% YoY-5.1% QoQ
|
+11.8% |
73.0%
-2.7% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.7% in tier |
| Delinquency Rate |
1.7%
+120.1% YoY+6.4% QoQ
|
+0.9 |
0.9%
+7.3% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.3% in tier |
| Loan To Share |
80.8%
-1.6% YoY+2.2% QoQ
|
-3.9% |
84.7%
+0.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$16,181
+5.4% YoY+2.9% QoQ
|
$-13K |
$29,575
+1.5% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.3% in tier |
| CD Concentration |
16.4%
-2.0% YoY-4.4% QoQ
|
-12.7% | 29.1% | 18.8% | 20.0% | Bottom 7.5% in tier |
| Indirect Auto % |
17.9%
-29.3% YoY-6.3% QoQ
|
-0.2% | 18.1% | 11.7% | 7.7% | 56% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)