EIN 38-1524350

4front Credit Union - 4 Front Credit Union

IRS 501(c) type
501(c)(14)
Num. employees
323
City
Traverse City
Year formed
1954
Most recent tax filings
2022-12-01
Description
4front Credit Union - 4 Front Credit Union is a not-for-profit financial institution whose mission is to provide financial services to members with a common bond. The Credit Union provides several deposit account types to members including savings, checking, certificates of deposits and others. The total number of members at 12/31/20 was 89,823. The Credit Union provides a variety of loans to members including real estate, credit cards, vehicle and others. The total number of loans outstanding at 12/31/20 was 47,580.
Related structure
4front Credit Union - 4 Front Credit Union is child organization, under the parent exemption from Credit Unions Chartered in the State of Michigan.
Also known as...
Credit Unions Chartered in the State of Michigan 4 Front Credit Union; Credit Unions Chartered in the 390 Members Credit Union; 0390 4front Credit Union
Total revenues
$56,680,662
2022
Total expenses
$45,227,865
2022
Total assets
$1,009,844,526
2022
Num. employees
323
2022

Program areas at 4front Credit Union - 4 Front Credit Union

The Credit Union provides several deposit account types to members including savings,checking, certificates of deposits and others. The total number of members at 12/31/22 was 99,952.
The Credit Union provides a variety of loans to members including real estate, Credit cards, vehicle and others. The total number of loans outstanding at 12/31/22 was 56,906.

Personnel at 4front Credit Union - 4 Front Credit Union

NameTitleCompensation
Andrew KempfPresident and Chief Executive Officer$415,129
Karl PagelChief Financial Officer$225,371
Shelley DeyoungSenior Vice President Operations / Vice President Human Resources$189,994
Zach EychanerSenior Vice President It and Innovation$159,317
Geoff StreitVice President Commercial Lending$315,303
...and 13 more key personnel

Financials for 4front Credit Union - 4 Front Credit Union

RevenuesFYE 12/2022
Total grants, contributions, etc.$0
Program services$54,630,812
Investment income and dividends$3,066,866
Tax-exempt bond proceeds$0
Royalty revenue$0
Net rental income$0
Net gain from sale of non-inventory assets$-1,153,736
Net income from fundraising events$0
Net income from gaming activities$0
Net income from sales of inventory$0
Miscellaneous revenues$136,720
Total revenues$56,680,662

Form 990s for 4front Credit Union - 4 Front Credit Union

Fiscal year endingDate received by IRSFormPDF link
2022-122023-11-15990View PDF
2021-122022-11-07990View PDF
2020-122021-09-20990View PDF
2019-122021-06-08990View PDF
2018-122020-01-23990View PDF
...and 11 more Form 990s
Data update history
January 9, 2024
Posted financials
Added Form 990 for fiscal year 2022
December 27, 2023
Used new vendors
Identified 1 new vendor, including
July 14, 2023
Posted financials
Added Form 990 for fiscal year 2021
July 4, 2023
Updated personnel
Identified 2 new personnel
July 4, 2023
Used new vendors
Identified 1 new vendor, including
Nonprofit Types
Credit unionsChapter / child organizations
Issues
No issues found
Characteristics
State / local level
General information
Address
PO Box 795
Traverse City, MI 49685
County
Grand Traverse County, MI
Website URL
4frontcu.com/ 
Phone
(231) 929-2000
IRS details
EIN
38-1524350
Fiscal year end
December
Taxreturn type
Form 990
Year formed
1954
Eligible to receive tax-deductible contributions (Pub 78)
No
Categorization
NTEE code, primary
W60: Financial Institutions, Credit Unions
NAICS code, primary
522130: Credit Unions
Parent/child status
Child within group exemption
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