Credit unions · Michigan · Q2 2026
4FRONT CU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $1.04B |
| Total loans & leases | $751M |
| Total shares & deposits | $930M |
| Members | 103,900 |
| Net worth | $105M |
| Net worth / assets | 10.15% |
| Loans / assets | 72.37% |
| Return on assets (annualized) | 0.60% |
| Loan growth (YoY) | 2.70% |
| Member growth (YoY) | −1.71% |
| Delinquency, all loans (60+ days) | 1.73% |
| Charter | State charter (federally insured) |
| Asset band | $1B–$5B |
| NCUA peer group | over $500M |
| Sponsor type | Community (inferred from the name) |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
4Front has selected Scienaptic AI's LendSmart Auto, an AI pricing engine that sets rates on individual vehicle loans, so AI shapes decisions inside its lending process. Its website also offers a 24/7 virtual assistant named Penny for members.
- 4Front Credit Union Selects Scienaptic AI’s LendSmart Auto to Power Deal-Level Vehicle Loan Pricing “Scienaptic AI , a leading provider of AI-powered credit decisioning, announced today that 4Front Credit Union has selected LendSmart Auto , a new AI-powered auto loan pricing engine”
- 4Front Credit Union selects LendSmart Auto to sharpen underwriting & more “4Front Credit Union selected LendSmart Auto, a new artificial intelligence-powered auto loan pricing engine from Scienaptic AI, to track how it prices vehicle loans for its members.”
- 4FRONT CU website “24/7 Virtual Assistant, Penny: 800-765-0110”