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The Lender Report built this page from public records. 4front Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about 4front Credit Union itself. Each figure shows its source and date. Work at 4front Credit Union? You can claim this page for free.
Credit union, Traverse City, MI
4front Credit Union
A credit union based in Traverse City, MI. Its commercial book is led by owner-occupied CRE and non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $169M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 31
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 54
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.04B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 231-929-2000 From the NCUA record, June 30, 2026.
- Website
- www.4frontcu.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- 4frontcu.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- 4FRONTNCUA 5300,
- Address
- PO Box 795, Traverse City, MI 49685NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. 4front Credit Union's C&I balance rose 12.8% to $18.8M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 10 under Preferred Lender authority, 10 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 17.0% to $85M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 0.4% to $39M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 8.1% to $18.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Michigan | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $150K | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | Michigan | SBA 7(a), Manufacturing | $110K | 12.75% | 7 yr | SBA FOIA | |
| Sep 2026 | Michigan | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $50K | 7.75% | 10 yr | SBA FOIA | |
| Aug 2026 | Michigan | SBA 7(a), Landscaping Services | $2M | 8.25% | 8 yr | SBA FOIA | |
| Jul 2026 | Michigan | SBA 7(a), Limited-Service Restaurants | $240K | 7.75% | 20 yr | SBA FOIA | |
| May 2026 | Michigan | SBA 7(a), All Other Automotive Repair and Maintenance | $130K | 11% | 10 yr | SBA FOIA | |
| Apr 2026 | Michigan | SBA 7(a), Full-Service Restaurants | $150K | 9.25% | 10 yr | SBA FOIA | |
| Apr 2026 | Michigan | SBA 7(a), Site Preparation Contractors | $75K | 7.75% | 10 yr | SBA FOIA | |
| Mar 2026 | Michigan | SBA 7(a), Full-Service Restaurants | $1.1M | 7.25% | 10 yr | SBA FOIA | |
| Mar 2026 | Michigan | SBA 7(a), Freight Transportation Arrangement | $240K | 7.75% | 3 yr | SBA FOIA | |
| Mar 2026 | Michigan | SBA 7(a), Clothing and Clothing Accessories Retailers | $110K | 9.5% | 10 yr | SBA FOIA | |
| Feb 2026 | Michigan | SBA 7(a), All Other Specialty Food Retailers | $300K | 7.75% | 10 yr | SBA FOIA | |
| Feb 2026 | Michigan | SBA 7(a), Landscaping Services | $180K | 8% | 10 yr | SBA FOIA | |
| Jan 2026 | Michigan | SBA 7(a), Health Care and Social Assistance | $200K | 8.75% | 10 yr | SBA FOIA | |
| 2025 | Kent County, MI | Purchase, 5 to 24 units | $560K | 6.75% | 5 yr | HMDA 2025 | |
| 2025 | Kent County, MI | Purchase, 5 to 24 units | $520K | 6.75% | 5 yr | HMDA 2025 | |
| Dec 2025 | Michigan | SBA 7(a), Full-Service Restaurants | $150K | 11% | 10 yr | SBA FOIA | |
| Aug 2025 | Michigan | SBA 7(a), Commercial and Institutional Building Construction | $500K | 8.5% | 10 yr | SBA FOIA | |
| Aug 2025 | Michigan | SBA 7(a), Landscaping Services | $100K | 9.5% | 10 yr | SBA FOIA | |
| Jul 2025 | Michigan | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $1.2M | 9% | 12 yr | SBA FOIA | |
| Jan 2025 | Michigan | SBA 504, Retail Trade | $210K | 25 yr | SBA FOIA | ||
| Sep 2024 | Michigan | SBA 504, Professional, Scientific, and Technical Services | $180K | 20 yr | SBA FOIA | ||
| Sep 2024 | Michigan | SBA 504, Health Care and Social Assistance | $120K | 25 yr | SBA FOIA | ||
| Aug 2024 | Michigan | SBA 504, Wholesale Trade | $260K | 20 yr | SBA FOIA | ||
| Feb 2024 | Michigan | SBA 504, Full-Service Restaurants | $570K | 20 yr | SBA FOIA | ||
| 48 SBA 7(a) loans since October 2023, net of cancelled | $12.3M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $17.6M | 2.4% | -3.3% | 51 | $346K |
| Construction and land development | $8.39M | 1.1% | -7.3% | 11 | $763K |
| Owner-occupied CRE | $85.0M | 11.3% | +17.0% | 181 | $470K |
| Non-owner-occupied CRE | $39.0M | 5.2% | +0.4% | 91 | $429K |
| Farmland | $432K | 0.1% | Not reported | 2 | $216K |
| Commercial and industrial | $18.8M | 2.5% | +8.1% | 251 | $74.8K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $169M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $135M |
| Q4 2023 | $147M |
| Q1 2024 | $150M |
| Q2 2024 | $152M |
| Q3 2024 | $154M |
| Q4 2024 | $160M |
| Q1 2025 | $162M |
| Q2 2025 | $157M |
| Q3 2025 | $164M |
| Q4 2025 | $159M |
| Q1 2026 | $162M |
| Q2 2026 | $169M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 2 | $1.10M | $540K | $560K | HMDA, |
| Multifamily, 5 or more units | 2024 | 1 | $2.7M | $2.7M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 35 | $5.29M | $105K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 48 | $12.3M | $150K | $2M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 15 | $5.17M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 6 | $1.67M | $233K | $570K | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 31 | $22.2M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 4 | $1.26M | NCUA 5300, | ||
| Construction | First half of 2026 | 4 | $8.03M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 17 | $11.4M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 6 | $1.50M | NCUA 5300, | ||
| C&I | First half of 2026 | 39 | $4.74M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $763K |
| Multifamily | $346K |
| Owner-occupied CRE | $470K |
| Non-owner-occupied CRE | $429K |
| Farmland | $216K |
| Commercial and industrial | $74.8K |
| Industry | Loans | Dollars |
|---|---|---|
| Full-Service Restaurants | 8 | $2.61M |
Other lenders in these fields: SBA lenders for restaurants.
Programs on record: Federal Home Loan Bank member, Indianapolis district (FHFA).
Where it lends
Offices beside loans on record
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $127M | $107M to $194M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $129M | $9.99M to $266M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 101.6% | 9.3% to 136.6% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $15.8M | $14.3M to $31.5M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 61.8% | 3.8% to 100.2% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 72.4% | 47.5% to 76.2% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 10 loans (20.8%)
- SBA Express
- 10 loans
- Approval to first disbursement
- 18.5 days, median of 44
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Kellogg Community Credit Union | MI | $1.02B | $111M |
| TLC Community Credit Union | MI | $950M | $30.9M |
| PFCU Credit Union | MI | $873M | $12.0M |
| Arbor Financial Credit Union | MI | $899M | $91.1M |
| Wildfire Credit Union | MI | $1.20B | $107M |
| Christian Financial Credit Union | MI | $1.12B | $181M |
| Frankenmuth Credit Union | MI | $1.59B | $214M |
| ZEAL Credit Union | MI | $1.06B | $99.6M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. 4front Credit Union, NCUA charter 61365. Compare it with the regulator's record. [NCUA profile]
- Balances. $1.04B in total assets and $169M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 31 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 92 loans in HMDA and SBA files, through September 30, 2026: 2 HMDA multifamily 2025, 1 HMDA multifamily 2024, 35 HMDA 1-4 unit investor 2025, 48 SBA 7(a) in 36 months, 6 SBA 504 first liens in 36 months. [How each file was tied to 4front Credit Union]
- Phone and website. Phone 231-929-2000, from the NCUA record. Website 4frontcu.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 61365
- RSSD
- 16690
- LEI
- 254900REWJG6071ZPT32
- The Lender Report ID
- lr_001499
- Main office county
- Grand Traverse
- Members
- 105,016
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $1B in total assets as of June 30, 2026 (NCUA 5300).
- Held $169.3M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $85M of owner-occupied commercial real estate loans as of June 30, 2026, up 17.0% from a year earlier (NCUA 5300).
- Held $39M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 0.4% from a year earlier (NCUA 5300).
- Held $18.8M of commercial and industrial loans as of June 30, 2026, up 8.1% from a year earlier (NCUA 5300).
- Originated 2 multifamily loans totaling $1.1M in 2025 (HMDA).
8 more sentences
- Originated 1 multifamily loan totaling $2.7M in 2024 (HMDA).
- Originated 35 1-4 unit investor or business-purpose loans totaling $5.3M in 2025 (HMDA).
- Recorded 49 SBA 7(a) approvals totaling $12.6M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Provided the first lien on 6 SBA 504 projects with $1.7M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 31 real-estate-secured commercial loans totaling $22.2M in the first half of 2026 (NCUA 5300).
- Bought $3.9M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $27.4M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 23 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, 4front Credit Union, https://lender.report/lender/4front-credit-union-mi/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem