4FRONT

Charter #61365 | MI

1B-3B (304 CUs) Mid-Market (380 CUs)
19 1B-3B in MI

4FRONT has 4 strengths but faces 16 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 23.4% in tier
  • + ROA 0.02% above tier average
  • + Net Interest Margin 1.33% above tier average
  • + Share Certificate Concentration (%): Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 13.1% in tier
  • - Shrinking Wallet Share: Bottom 23.8% in tier
  • - Credit Quality Pressure: Bottom 24.0% in tier
  • - Efficiency Drag: Bottom 25.2% in tier
  • - Stagnation Risk: Bottom 25.9% in tier
  • - Accelerating Exit Risk: Bottom 27.3% in tier
  • - Membership Headwinds: Bottom 28.0% in tier
  • - Indirect Auto Dependency: Bottom 28.7% in tier
  • - Efficiency ratio 6.45% above tier (higher cost structure)
  • - Delinquency rate 0.26% above tier average
  • - Average Member Relationship (AMR): Bottom 2.0% in tier
  • - Total Assets: Bottom 3.0% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
  • - Deposit Growth Rate: Bottom 4.9% in tier
  • - Total Deposits: Bottom 5.9% in tier
  • - Asset Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 103,685
-0.9% YoY-1.9% QoQ
 +5.0K 98,678
-1.9% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 61st in tier
Assets $1.0B
-2.8% YoY+0.6% QoQ
 $-688.9M $1.7B
+0.5% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 Bottom 2.6% in tier
Loans $745.8M
-0.5% YoY+2.0% QoQ
 $-487.3M $1.2B
+0.5% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Bottom 9.9% in tier
Deposits $895.5M
-3.4% YoY+0.6% QoQ
 $-558.8M $1.5B
+1.3% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Bottom 5.6% in tier
ROA 0.7%
+153.0% YoY+40.6% QoQ
 +0.0% 0.7%
+13.4% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 57th in tier
NIM 4.6%
+13.2% YoY+2.4% QoQ
 +1.3% 3.3%
+9.3% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 2.6% in tier
Efficiency Ratio 80.4%
-4.8% YoY-3.5% QoQ
 +6.5% 74.0%
-10.9% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Top 25.0% in tier
Delinquency Rate 1.1%
+2.6% YoY+38.4% QoQ
 +0.3 0.8%
+6.1% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Top 20.7% in tier
Loan To Share 83.3%
+3.1% YoY+1.4% QoQ
 -1.9% 85.2%
-0.8% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 37th in tier
AMR $15,830
-1.2% YoY+3.2% QoQ
 $-13K $29,172
+2.8% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 Bottom 1.6% in tier
CD Concentration 16.0%
-19.8% YoY-4.1% QoQ
 -12.9% 29.0%
+0.8% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 Bottom 7.9% in tier
Indirect Auto % 23.6%
-21.5% YoY-6.5% QoQ
 +4.8% 18.8%
-2.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 65th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#125 of 184 • Top 23.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.72%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.95%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Concerns (8)

Deposit Outflow

decline
#17 of 25 • Bottom 13.1% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -3.43%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $1.03B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#73 of 83 • Bottom 23.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.17%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#185 of 217 • Bottom 24.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Efficiency Drag

risk
#84 of 96 • Bottom 25.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.42%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.44% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -0.95%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank worsening

Stagnation Risk

risk
#63 of 85 • Bottom 25.9% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.72%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.95%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $15.8K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 16.04%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Accelerating Exit Risk

decline
#13 of 13 • Bottom 27.3% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -0.95%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -1.17%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
13 of 380 Mid-Market CUs have this signature | 73 nationally
↓ Shrinking -8 CUs YoY | New qualifier

Membership Headwinds

decline
#68 of 85 • Bottom 28.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.95%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#178 of 202 • Bottom 28.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -2.80%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 23.62%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.95%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

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)

Comparing against 304 peers in tier

Top Strengths (2 metrics)

8
Net Interest Margin (NIM)
profitability
Value: 4.60%
Peer Avg: 3.26%
#8 of 304 Top 2.3% in 1B-3B tier
26
Share Certificate Concentration (%)
balance_sheet
Value: 16.04%
Peer Avg: 28.53%
#26 of 304 Top 8.2% in 1B-3B tier

Top Weaknesses (13 metrics)

299
Average Member Relationship (AMR)
engagement
Value: $15,830
Peer Avg: $29,172
#299 of 304 Bottom 2.0% in 1B-3B tier
296
Total Assets
balance_sheet
Value: $1.03B
Peer Avg: $1.72B
#296 of 304 Bottom 3.0% in 1B-3B tier
294
Loan-to-Member Ratio (LMR)
engagement
Value: $7,193
Peer Avg: $13,213
#294 of 304 Bottom 3.6% in 1B-3B tier
290
Deposit Growth Rate
growth
Value: -3.43%
Peer Avg: 5.58%
#290 of 304 Bottom 4.9% in 1B-3B tier
287
Total Deposits
balance_sheet
Value: $895.54M
Peer Avg: $1.45B
#287 of 304 Bottom 5.9% in 1B-3B tier
276
Asset Growth Rate
growth
Value: -2.80%
Peer Avg: 4.83%
#276 of 304 Bottom 9.5% in 1B-3B tier
274
Total Loans
balance_sheet
Value: $745.81M
Peer Avg: $1.23B
#274 of 304 Bottom 10.2% in 1B-3B tier
246
AMR Growth Rate
growth
Value: -1.17%
Peer Avg: 3.29%
#246 of 304 Bottom 19.4% in 1B-3B tier
242
Total Delinquency Rate (60+ days)
risk
Value: 1.09%
Peer Avg: 0.83%
#242 of 304 Bottom 20.7% in 1B-3B tier
240
Member Growth Rate
growth
Value: -0.95%
Peer Avg: 2.20%
#240 of 304 Bottom 21.4% in 1B-3B tier