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Frontwave
Oceanside, CA · NCUA Charter #68494 · State charter, federally insured · Chartered 1952
Total assets
$1.74B
Shares & deposits
$1.42B
Total loans
$1.21B
Members
128,682
Net worth
$159.08M
Branches
18
Rank: #290 of 4,299 U.S. credit unions by assets · #40 of 239 in California. Assets changed 18.5% and membership 2.3% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 9.13% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.43% |
| Loans to shares & deposits | 85.5% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.26B | $1.08B | $0 | $128.07M |
| Jun 2023 | $1.36B | $1.20B | $0 | $132.08M |
| Jun 2024 | $1.53B | $1.19B | $0 | $138.25M |
| Jun 2025 | $1.47B | $1.14B | $0 | $145.29M |
| Jun 2026 | $1.74B | $1.42B | $0 | $159.08M |
Branch footprint
| State | Branches |
|---|---|
| California | 18 |
Similar-sized credit unions
Beacon ($1.76B) · Kemba ($1.74B)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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