4FRONT
Traverse City, MI · Charter 61365 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
$1.0BAssets
$751.1MLoans
$929.6MShares
$105.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 97% of credit unions $1B-$10B in assets (rank 11 of 435).
- Widest gap: nonperforming loans / loans trails 94% of credit unions $1B-$10B in assets (rank 408 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.61%
Rank 306 of 435
Net Interest Margin
4.57%
Rank 11 of 435
Efficiency Ratio
84.77%
Rank 401 of 435
Equity / Assets
10.15%
Rank 288 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.61% | 0.55% | 0.81% | 1.14% | Beats 30% | 306 / 435 | | |
| Return on Equity | 5.96% | 5.12% | 7.41% | 9.70% | Beats 34% | 288 / 435 | | |
| Net Interest Margin | 4.57% | 3.01% | 3.39% | 3.75% | Beats 97% | 11 / 435 | | |
| Efficiency Ratio | 84.77% | 65.25% | 71.39% | 77.86% | Beats 8% | 401 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.73% | 0.45% | 0.69% | 1.05% | Beats 6% | 408 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.15% | 9.81% | 10.84% | 12.63% | Beats 34% | 288 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.15% | 9.81% | 10.84% | 12.63% | Beats 34% | 288 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.80% | 78.33% | 88.38% | 95.61% | 31st pctl | 301 / 435 | | |
| Loans / Assets | 72.37% | 67.69% | 74.58% | 80.80% | 40th pctl | 259 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |