Frontwave Credit Union
Total assets
$1.76B
▲ +19.8% YoY
Shares & deposits
$1.45B
▲ +24.9% YoY
Loans
$1.21B
▲ +27.5% YoY
Members
127,939
▲ +2.6% YoY
ROA (annualized)
0.83%
peers 0.71%
ROE (annualized)
9.42%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Frontwave Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.8% | +5.1% | +14.6 pts |
| Share growth (YoY) | +24.9% | +4.9% | +20.0 pts |
| Loan growth (YoY) | +27.5% | +5.4% | +22.1 pts |
| ROA | 0.83% | 0.71% | +0.1 pts |
| ROE | 9.4% | 6.3% | +3.1 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 1278 Rocky Point Dr, Oceanside, CA, 92056
- NCUA charter #
- 68494
- RSSD ID
- 514785
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.76B | $1.45B | $1.21B | $155.1M | $3.7M | 0.83% | 3.15% | 0.29% | 127,939 |
| Q4 2025 | $1.70B | $1.44B | $1.22B | $151.4M | $10.7M | 0.63% | 2.52% | 0.50% | 131,835 |
| Q3 2025 | $1.52B | $1.15B | $944.4M | $147.9M | $6.7M | 0.59% | 2.56% | 0.38% | 130,089 |
| Q2 2025 | $1.47B | $1.14B | $945.2M | $145.3M | $4.1M | 0.55% | 2.59% | 0.40% | 125,815 |
| Q1 2025 | $1.47B | $1.16B | $950.6M | $142.5M | $1.3M | 0.34% | 2.48% | 0.36% | 124,724 |
| Q4 2024 | $1.41B | $1.11B | $960.4M | $141.2M | $7.3M | 0.52% | 2.50% | 0.41% | 125,171 |
| Q3 2024 | $1.49B | $1.12B | $954.1M | $139.7M | $5.2M | 0.47% | 2.35% | 0.59% | 128,122 |
| Q2 2024 | $1.53B | $1.19B | $944.0M | $138.3M | $3.8M | 0.50% | 2.26% | 0.44% | 124,350 |
Loan mix (Q1 2026): real estate $570.6M · commercial $376.1M · consumer $247.1M · securities $264.9M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Frontwave Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.71% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 6.3% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.32% | 39th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 73.0% | 65th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Frontwave Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Frontwave Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Frontwave Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Frontwave Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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