Civic Intelligence

Credit Unions Chartered in the State of Michigan 4 Front Credit Union

EIN 38-1524350 • 501(c)14 • Traverse City, MI

View Organization Page

Profile

To provide financial services to members with a common bond

PO Box 795Traverse City, MI 49685

www.memberscu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

71st percentile

0.92x

Higher debt load relative to assets than 71% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

11th percentile

12.37x

Higher debt load relative to revenue than 11% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

7th percentile

-0.8%

Higher net margin than 7% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

5th percentile

-5.3%

Faster asset growth than 5% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

9th percentile

5.4%

Faster revenue growth than 9% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets71st percentile

Assets

Down

$1,028,814,833

Down $58,005,932 (-5.3%) from 2023

Liabilities

Down

$943,339,336

Down $60,850,771 (-6.1%) from 2023

Net Assets

Up

$85,475,497

Up $2,844,839 (+3.4%) from 2023

Operations
Liabilities / Revenue11th percentileNet Margin7th percentile

Revenue

Up

$76,251,267

Up $3,903,662 (+5.4%) from 2023

Expenses

Up

$76,831,381

Up $8,610,277 (+13%) from 2023

Net Income

Down

-$580,114

Down $4,706,615 (-114%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth5th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.5B$1.0B$500M$0Assets 2010: $185,622,015Liabilities 2010: $167,951,128Net Assets 2010: $17,670,8872010Assets 2011: $196,644,636Liabilities 2011: $177,793,583Net Assets 2011: $18,851,0532011Assets 2012: $210,458,876Liabilities 2012: $190,311,653Net Assets 2012: $20,147,2232012Assets 2013: $218,300,807Liabilities 2013: $197,583,494Net Assets 2013: $20,717,3132013Assets 2014: $228,412,401Liabilities 2014: $205,351,989Net Assets 2014: $23,060,4122014Assets 2015: $426,862,483Liabilities 2015: $380,489,183Net Assets 2015: $46,373,3002015Assets 2016: $458,969,484Liabilities 2016: $408,738,972Net Assets 2016: $50,230,5122016Assets 2017: $488,650,887Liabilities 2017: $434,541,083Net Assets 2017: $54,109,8042017Assets 2018: $516,059,883Liabilities 2018: $456,843,153Net Assets 2018: $59,216,7302018Assets 2019: $560,363,272Liabilities 2019: $494,794,646Net Assets 2019: $65,568,6262019Assets 2020: $742,406,934Liabilities 2020: $669,025,695Net Assets 2020: $73,381,2392020Assets 2021: $896,646,295Liabilities 2021: $816,500,069Net Assets 2021: $80,146,2262021Assets 2022: $1,009,844,526Liabilities 2022: $933,681,311Net Assets 2022: $76,163,2152022Assets 2023: $1,086,820,765Liabilities 2023: $1,004,190,107Net Assets 2023: $82,630,6582023Assets 2024: $1,028,814,833Liabilities 2024: $943,339,336Net Assets 2024: $85,475,4972024

Highlighted filing

2024

Assets$1,028,814,833
Liabilities$943,339,336
Net Assets$85,475,497
Open 2024 Filing

Operations Trend

Revenue Growth9th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$80M$60M$40M$20M$0-$20MExpenses 2010: $12,014,0912010Expenses 2011: $11,540,2002011Expenses 2012: $10,777,9912012Revenue 2013: $11,103,410Expenses 2013: $9,742,358Net Income 2013: $1,361,0522013Revenue 2014: $12,068,256Expenses 2014: $10,729,566Net Income 2014: $1,338,6902014Revenue 2015: $22,492,717Expenses 2015: $21,023,834Net Income 2015: $1,468,8832015Revenue 2016: $25,240,982Expenses 2016: $21,208,895Net Income 2016: $4,032,0872016Revenue 2017: $28,236,946Expenses 2017: $24,268,196Net Income 2017: $3,968,7502017Revenue 2018: $34,298,344Expenses 2018: $28,441,271Net Income 2018: $5,857,0732018Revenue 2019: $39,221,324Expenses 2019: $34,435,623Net Income 2019: $4,785,7012019Revenue 2020: $43,206,858Expenses 2020: $36,701,631Net Income 2020: $6,505,2272020Revenue 2021: $51,854,069Expenses 2021: $42,435,257Net Income 2021: $9,418,8122021Revenue 2022: $56,680,662Expenses 2022: $45,227,865Net Income 2022: $11,452,7972022Revenue 2023: $72,347,605Expenses 2023: $68,221,104Net Income 2023: $4,126,5012023Revenue 2024: $76,251,267Expenses 2024: $76,831,381Net Income 2024: -$580,1142024

Highlighted filing

2024

Revenue$76,251,267
Expenses$76,831,381
Net Income-$580,114
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,028,814,833
Liabilities
$943,339,336
Net assets
$85,475,497
Revenue
$76,251,267
Expenses
$76,831,381
Net income
-$580,114
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,029$943$85.5$76.3$76.8$0.58
2023Detailed filing. Detailed filing data is available for this year.$1,087$1,004$82.6$72.3$68.2$4.13
2022Detailed filing. Detailed filing data is available for this year.$1,010$934$76.2$56.7$45.2$11.5
2021Detailed filing. Detailed filing data is available for this year.$897$817$80.1$51.9$42.4$9.42
2020Detailed filing. Detailed filing data is available for this year.$742$669$73.4$43.2$36.7$6.51
2019Detailed filing. Detailed filing data is available for this year.$560$495$65.6$39.2$34.4$4.79
2018Detailed filing. Detailed filing data is available for this year.$516$457$59.2$34.3$28.4$5.86
2017Detailed filing. Detailed filing data is available for this year.$489$435$54.1$28.2$24.3$3.97
2016Detailed filing. Detailed filing data is available for this year.$459$409$50.2$25.2$21.2$4.03
2015Detailed filing. Detailed filing data is available for this year.$427$380$46.4$22.5$21.0$1.47
2014Detailed filing. Detailed filing data is available for this year.$228$205$23.1$12.1$10.7$1.34
2013Detailed filing. Detailed filing data is available for this year.$218$198$20.7$11.1$9.74$1.36
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$210$190$20.1$10.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$197$178$18.9$11.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$186$168$17.7$12.0
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.1
Gross Receipts
$88,713,712
Mission and Program Overview

Mission

To provide financial services to members with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$774,043,447$724,005,685▼ $50,037,762
Investments Other Securities$164,709,232$140,540,571▼ $24,168,661
Rtn Earn Endowment Incm Other Fnds$82,630,658$85,475,497▲ $2,844,839
Land, Buildings, and Equipment, Net$50,159,445$47,622,924▼ $2,536,521
Savings and Temporary Cash Investments$21,683,850$31,580,165▲ $9,896,315
Intangible Assets$19,657,700$19,842,239▲ $184,539
Cash and Non-Interest-Bearing Accounts$15,285,611$17,747,994▲ $2,462,383
Receivables From Officers Etc$5,635,336$5,920,694▲ $285,358
Accounts Receivable$4,842,965$4,163,786▼ $679,179
Prepaid Expenses and Deferred Charges$1,770,164$1,943,538▲ $173,374
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0--
Loans From Officers Directors$0$0→ $0
Total Assets$1,086,820,765$1,028,814,833▼ $58,005,932
Other Assets Total$29,033,015$35,447,237▲ $6,414,222
Liabilities
Other Liabilities$996,520,275$900,308,596▼ $96,211,679
Mortgage Notes Payable Secured by Investment Property$3,000,000$40,000,000▲ $37,000,000
Accounts Payable and Accrued Expenses$4,669,832$3,030,740▼ $1,639,092
Total Liabilities$1,004,190,107$943,339,336▼ $60,850,771
Net Assets / Fund Balance
Total Net Assets Fund Balance$82,630,658$85,475,497▲ $2,844,839
Total Liabilities and Net Assets / Fund Balance$1,086,820,765$1,028,814,833▼ $58,005,932

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$34,953,243$1,333,297$36,286,540
Equipment$5,465,790$1,481,752$6,947,542
Land$6,159,809-$6,159,809
Other Land Buildings$1,040,182$20,046$1,060,228
Leasehold Improvements$3,900$5,266$9,166
Other Securities$7,139,775--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Andrew KempfCEOFT$470,854$166,455$637,309
Karl PagelCFOFT$290,878$108,878$399,756
Geoff StreitVP Commercial LendingFT$100,453$295,208$395,661
Jack MartinCIOFT$244,129$84,493$328,622
Daniel BakerCLOFT$209,955$61,010$270,965
Nathan PetersonVP LendingFT$130,296$38,784$169,080
Greg SnoverVP Information TechnologyFT$117,922$40,784$158,706
Shelley DeyoungCOO - Part YearFT$85,237$67,235$152,472
Abigail HartVP OperationsFT$133,264$14,401$147,665
Rachel HunterCMOFT$121,506$20,925$142,431

Board Members and Trustees

NameTitle
Todd RohrbackChairman of the Board
Bryan LindforsVice Chairman
Brian AusdemoreDirector
Charles HagueDirector
Julie KosloskeyDirector
Matilyn Mattie MeadowsDirector
Mike SlaterDirector
Michael Skyler FortSecretary
John Jack HodgeTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Q2 Software INCOnline BankingPO BOX 205970, SUITE 1080A, Dallas, TX 75320-5970$1,616,598
PscuDebit/credit Card Processing560 CARILLON PARKWAY, St Petersburg, FL 33716$1,237,951
City Of Traverse CityProperty Taxes500 BOARDMAN AVE, Traverse City, MI 49684$930,924
Doxim INCStatement And Notice MailingPO BOX 933472, Cleveland, OH 44193$708,519
North Coast LegalRepo Collection Services800 COTTAGEVIEW DR, Traverse City, MI 49684$601,475
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$72,284,944
Investment Income
$4,271,693
Other Revenue
$-305,370
Change in Net Assets
$-580,114
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$54,714,538
Salaries, Compensation, and Employee Benefits$22,116,843
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$15,916,316
Office Expenses---$14,367,217
Interest---$14,240,100
Depreciation Depletion---$3,773,025
Occupancy---$2,488,749
Other Employee Benefits---$1,934,041
Current Officers, Directors, Trustees, and Key Employees---$1,789,125
Advertising---$1,513,662
Payroll Taxes---$1,337,706
Fees for Services Other---$1,184,752
Pension Plan Contributions---$1,139,655
Conferences and Meetings---$395,672
All Other Expenses---$148,700
Travel---$83,828
Fees for Services Accounting---$43,613
Other Expenses---$14,368
Total Functional Expenses$0$0$0$76,831,381
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$5,635,336$5,920,694▲ $285,358
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal Income Taxes$897,065,873
Member Shares of All Types$3,242,000
Nonmember Deposits$723
Allowance for Credit Losses - Off Balance Sheet-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6 Classes of members or stockholders

“The credit union has a single class of members with equal rights of ownership, governance, and voting.”

Form 990, Part VI, Line 7A Members or stockholders electing members of governing body

“Members vote and elect board members at annual meeting.”

Form 990, Part VI, Line 7B Decisions requiring approval by members or stockholders

“Members of the credit union have the right to approve governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Line 11B Review of form 990 by governing body

“Management reviews the tax return prior to filing with the irs.”

Form 990, Part VI, Line 12C Conflict of interest policy

“The organization's officers, directors, trustees, and key employees are required to disclose actual or potential conflicts they may have with the organization. If a conflict arises, the respective board member will abstain from any related discussion, vote, or similar action on the matter. Management reserves the right to determine when an employee's activities represent a conflict of interest and to take whatever action is appropriate to resolve the situation.”

Form 990, Part VI, Line 15A Process to establish compensation of top management official

“The ceo receives a performance appraisal from the entire board and then the compensation committee makes a recommendation to the board for compensation based on the results of the appraisal. Wage ranges are set based on compensable factors using ddj myers (a company that looks at national, regional, state and area compensation surveys). This process takes place annually, and is documented in compensation committee minutes. Results are reported to the board, but the details are in the compensation committee minutes. In addition to ddj myers, comparability data was provided to the compensation committee/board from gallagher executive compensation analysis. This process was last completed in year 2024.”

Form 990, Part VI, Line 15B Process to establish compensation of other employees

“On an annual basis for all "c" level employees, industry surveys including gallagher report, cues executive salary report, and 990 data are used to establish salary based on employee role, experience, and performance. The company salary and wage budget, except for ceo, is reviewed/approved during the annual budgeting process. The process described here was last completed in 2024.”

Form 990, Part VI, Line 19 Required documents available to the public

“Monthly financials and other governing documents are available for review upon request at the credit unions main offices at 101 n. Park st., traverse city, mi”

Filing and Contact Details

Filer

Filer Name
4front Credit Union
EIN
38-1524350
Phone
2319292000
Address
PO BOX 795, TRAVERSE CITY, MI 49685

Signing Officer

Name
Dave Seman
Title
Chief Financial Officer
Phone
2319325202
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Formed
1954
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
359
Volunteers
9

Preparer

Firm
Plante & Moran Pllc
Address
10 SOUTH RIVERSIDE PLAZA 9TH FLOOR, CHICAGO, IL 60606
Preparer
David Lowenthal CPA
Phone
3122071040
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2B

“There was a consolidated audit for the twelve months ended March 31, 2025. There is no audit performed for the filing period of the 990.”

Raw XML AppendixShowing 400 of 736 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
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IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARDS, VEHICLE AND OTHERS. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/24 WAS 55,885.
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