Thank you from the Chairman

Dear Member,

During 2022, we continued to experience social unrest, staffing shortages, inflation, political division, and financial extremes. Despite these challenges, 4Front Credit Union remained focused on its members with best-in-class financial products and services to help our members achieve their financial goals. In fact, we were named as the “Most Innovative Financial Institution” in the annual Purposeful Bank Awards for our savings platform designed to educate members about personal finances.

4Front Credit Union reached a significant financial industry milestone in late 2022, surpassing $1 billion in assets. Our members, the communities we serve, and the 4Front Credit Union team all deserve recognition and a heartfelt ‘thank you’ for the trust and commitment to 4Front Credit Union that propelled us past that threshold.

In a continued commitment to the communities 4Front Credit Union serves, we launched the 4Front Foundation to further impact those who demonstrate a need. In its first grant cycle, over 50 applications were received. The Foundation awarded $25,000 in grants to five not-for-profit organizations, including Hand2Hand, Boots for Kids, and the Cheboygan County Habitat for Humanity. Tax deductible contributions can be made to the Foundation at any branch or via the Credit Union’s website.

In October, the Board of Directors again collaborated with 4Front Credit Union’s management team to develop a bold strategic plan for 2023, building upon another successful year. We will be casting a wider net to increase membership through intentional growth along west Michigan’s lakeshore with the opening of three new branch locations in Holland, Zeeland, and Muskegon in January 2023. With growth comes the financial strength that allows 4Front Credit Union to maintain its low fees, high savings rates, and desirable loan rates for its members.

With 2022 in the rear view mirror, 4Front Credit Union will strive to remain a streamlined and forward-focused financial institution as we turn our attention toward 2023. Wherever you may be on your financial journey, we aspire to make banking smart and simple for you.

On behalf of the board of Directors, thank you for the opportunity to serve; have a safe and prosperous 2023!

Todd P. Rohrback, Chairman