Civic Intelligence

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

990 • Fiscal year 2018 • EIN 38-1524350

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 15, 2019

Organization Profilewww.4frontcu.com

View Organization Page

PO Box 795Traverse City, MI 49685

(231) 929-2000

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

45th percentile

0.89x

Higher debt load relative to assets than 45% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

15th percentile

13.32x

Higher debt load relative to revenue than 15% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

65th percentile

17%

Higher net margin than 65% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

39th percentile

$366,357

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

63rd percentile

5.6%

Faster asset growth than 63% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

93rd percentile

21%

Faster revenue growth than 93% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$516,059,883

Up $27,408,996 (+5.6%) from 2017

Net Assets

Up

$59,216,730

Up $5,106,926 (+9.4%) from 2017

Liabilities

Up

$456,843,153

Up $22,302,070 (+5.1%) from 2017

Revenue And Expenses
Liabilities / Revenue15th percentileNet Margin65th percentile

Revenue

Up

$34,298,344

Up $6,061,398 (+21%) from 2017

Expenses

Up

$28,441,271

Up $4,173,075 (+17%) from 2017

Net Income

Up

$5,857,073

Up $1,888,323 (+48%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth63rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2018

Assets$516,059,883
Liabilities$456,843,153
Net Assets$59,216,730
Open 2018 Filing

Operations Trend

Revenue Growth93rd percentile

Revenue, expenses, and net income across loaded years, with this 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

2018

Revenue$34,298,344
Expenses$28,441,271
Net Income$5,857,073
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 15, 2019
Return Version
2018v3.1
Gross Receipts
$74,715,579
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$367,217,182$411,210,805▲ $43,993,623
Rtn Earn Endowment Incm Other Fnds$54,109,804$59,216,730▲ $5,106,926
Investments in Publicly Traded Securities$62,255,261$47,868,861▼ $14,386,400
Land, Buildings, and Equipment, Net$18,406,183$19,209,232▲ $803,049
Cash and Non-Interest-Bearing Accounts$7,732,094$7,712,146▼ $19,948
Receivables From Officers Etc$5,780,432$5,915,117▲ $134,685
Investments Other Securities$3,288,076$3,356,448▲ $68,372
Intangible Assets$2,337,748$2,003,784▼ $333,964
Savings and Temporary Cash Investments$4,309,534$1,803,236▼ $2,506,298
Accounts Receivable$2,473,758$1,540,239▼ $933,519
Prepaid Expenses and Deferred Charges$615,998$701,472▲ $85,474
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$488,650,887$516,059,883▲ $27,408,996
Other Assets Total$14,234,621$14,738,543▲ $503,922
Liabilities
Other Liabilities$422,436,493$428,343,500▲ $5,907,007
Mortgage Notes Payable Secured by Investment Property$6,000,000$22,097,000▲ $16,097,000
Accounts Payable and Accrued Expenses$6,104,590$6,402,653▲ $298,063
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$434,541,083$456,843,153▲ $22,302,070
Net Assets / Fund Balance
Permanently Rstr Net Assets$0$0→ $0
Temporarily Rstr Net Assets$0$0→ $0
Unrestricted Net Assets$0$0→ $0
Total Net Assets Fund Balance$54,109,804$59,216,730▲ $5,106,926
Total Liabilities and Net Assets / Fund Balance$488,650,887$516,059,883▲ $27,408,996

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,037,741$340,636$10,378,377
Equipment$4,153,612$1,071,818$5,225,430
Land$4,411,048-$4,411,048
Other Land Buildings$606,831$5,661$612,492
Compensation and Service Providers
Top Officer Pay39th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
-CEOFT$298,065$68,292$366,357
-PresidentFT$245,950$56,249$302,199
-VP Commercial LendingFT$83,725$123,776$207,501
-VP LendingFT$119,172$26,429$145,601
-Mortgage Loan OriginatorFT$116,742$25,842$142,584
-VP FinanceFT$110,349$18,775$129,124
-VP Human ResourcesFT$109,750$9,629$119,379

Board Members and Trustees

NameTitle
-Chairman
-Vice Chairman
-Director
-Secretary
-Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Q2 SoftwareOnline BankingPO BOX 205970, SUITE 200, Dallas, TX 75320-5970$492,595
Swbc-sure TrackTax Tracking8600 FARLEY ST, SUITE B, Overland Park, KS 66212$432,918
Flight Path CreativeMarketing & Advertising Services117 S UNION ST, Traverse City, MI 49684$357,330
IdscomProductions Services747 E WHITCOMB AVE, Madison Heights, MI 48071$341,522
Owens Builders LLCConstruction & Repair Contractors949 WALL STREET, Manistee, MI 49660$298,483
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$32,307,619
Investment Income
$1,934,911
Other Revenue
$55,814
All Other Contributions
$0
Change in Net Assets
$5,857,073

Audited Revenue Reconciliation

Revenue per Audited Statements
$34,298,344
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-750,147
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$33,548,197
Total Revenue per Form 990
$34,298,344
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$17,598,512
Salaries, Compensation, and Employee Benefits$10,842,759
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,868,020
Office Expenses---$2,741,973
Depreciation Depletion---$1,841,796
Interest---$1,695,719
Other Employee Benefits---$1,342,109
Advertising---$1,044,165
Occupancy---$885,900
Other Expenses---$875,676
Payroll Taxes---$692,958
Current Officers, Directors, Trustees, and Key Employees$0$0$0$668,556
All Other Expenses$0$0$0$565,272
Fees for Services Other$0$0$0$287,715
Pension Plan Contributions---$271,116
Information Technology---$214,869
Insurance---$144,625
Conferences and Meetings---$39,530
Payments to Affiliates---$39,519
Travel---$34,787
Fees for Services Accounting---$26,350
Total Functional Expenses$0$0$0$28,441,271

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$28,441,271
Total Expenses per Audited Statements$28,441,271
Total Expenses per Form 990$28,441,271
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$5,780,432$5,915,117▲ $134,685
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
Regular Shares$143,254,911
Money Market Shares$109,790,739
Checking$100,961,437
Share Certificates$39,268,186
Ira Accounts$23,415,200
All Other Shares$11,653,027
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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 the 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 returns and forwards US Form 8879-EO to the tax preparer.”

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 Compease (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.”

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

“The President 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 Compease (a company that looks at national, regional, state and area compensation surveys). For other officers and key employees- performance appraisals are conducted by either the President or the CEO with compensation levels also set using Compease. 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.”

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 Union's main offices at 101 N. Park St., Traverse City, MI.”

Form 990, Part VI, Section B, Line 12A Conflict of Interest Policy

“For employees - the Conflict of Interest language is included in Employee Handbook which each new employee must read and sign acknowledge that they understand they must comply. The Board of Directors sign a conflict of interest policy when they first become a board member. The policy states that they must report any conflicts of interest.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State of Michigan 4 Front Credit Union
EIN
38-1524350
Phone
2319292000
Address
PO Box 795, Traverse City, MI 49685
Doing Business As
4 Front Credit Union

Signing Officer

Name
Andrew Kempf
Title
President
Signed
2019-11-15
Discuss with paid preparer
Yes

Organization Details

Formed
1954
Legal Domicile
Mi
Voting Board Members
10
Independent Board Members
10
Employees
238
Volunteers
10

Preparer

Firm
Crowe Llp
Address
225 West Wacker Drive Suite 2600, Chicago, IL 60606-1224
Preparer
Nicole Bencik
Phone
3128997000
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C Committee for oversight of audit

“The credit union's financial statement audit is performed by independent accountants for the twelve-months ended March 31. There are no revenue/expense items that are included in the audited financial that would not be reported in Form 990. There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote

“THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL TAXES ON INCOME RELATED TO THE EXEMPT PURPOSE OF THE CREDIT UNION. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE ("IRC") SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AN ISSUE FOR MANY YEARS. THE INTERNAL REVENUE SERVICE ("IRS") ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL CONDITION OR RESULTS OF OPERATIONS. THE CREDIT UNION'S INCOME TAX FILINGS ARE SUBJECT TO AUDIT BY VARIOUS TAXING AUTHORITIES AND OPEN TAX PERIODS INCLUDE 2015 and beyond.”

Raw XML AppendixShowing 400 of 684 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/BusinessName/BusinessNameLine1Txt3Bryan Lindfors
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt4Larry Fay
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt5Walt Coyle
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt6Charles Hague
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt7Peggy Harold
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt8James Hoffman
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt9Julie Kosloskey
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt10David Leusink
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IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt13Heather Carey
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IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11President
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt14Mortgage Loan Originator
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP Human Resources
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IRS990/InsuranceGrp/TotalAmt0144625
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IRS990/IntangibleAssetsGrp/EOYAmt02003784
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Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$516,059,883
Liabilities
$456,843,153
Net assets
$59,216,730
Revenue
$34,298,344
Expenses
$28,441,271
Net income
$5,857,073
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