State credit union · Oceanside, California · NCUA charter #68494
FRONTWAVE
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $1.70B
- Total assets
- 131,835
- Members
- 8.8%
- Net-worth ratio
FRONTWAVE scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.70B; members 131,835; net-worth ratio 8.79%; health rank #296 of 4,374; healthier than 93rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#296 of 4,374 health · 2025Q4FRONTWAVE · health 96/100 · $1.70B · 2025Q4
- CAMELS 96/100
- HEALTH 8.8%
- NW 0.50%
- DELQ 0.43%
- ROA $1.70B
- ASSETS 131,835
- MEM #296/4,374
- RANK TRUWEST
- PHOTO 68494
Call Report peers
FRONTWAVE in the assets neighbourhood
FRONTWAVE's $1.70B assets sit next to TRUWEST ($1.69B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FRONTWAVE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
FRONTWAVE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68494: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where FRONTWAVE diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 84.39% here, 83.90% peer average (+0.49 pp).
- Net Worth Ratio trails the peer set - 8.79% here, 11.18% peer average (-2.39 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where FRONTWAVE sits in California
- In California, health place is #26 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #40 of 243.
- Membership ranks #29 of 243 among California CUs with a reported count (131,835 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
FRONTWAVE Call Report trajectory
FRONTWAVE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $1.70B (2025Q4) to $1.76B (2026Q1).
- Net-worth ratio shifted -0.12 pp (8.91% → 8.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.79% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 27.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.79% | -2.39 pp |
| Delinquency Rate | 0.50% | -0.37 pp |
| Return on Assets | 0.43% | -0.08 pp |
| Member Growth | 5.32% | - |
| Loan-to-Share Ratio | 84.39% | +0.49 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
FRONTWAVE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.76B | - |
| 2025Q4 | $1.70B | 131,835 |
| 2024Q4 | $1.41B | 125,171 |
| 2023Q4 | $1.43B | 124,372 |
Credit Union Details
- Charter Number
- 68494
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Oceanside
- Data Quarter
- 2025Q4
Branch Locations (18)
The NCUA branch filing lists 18 physical offices for FRONTWAVE, spread across 15 cities.
| Office | City |
|---|---|
| Oceanside (Main Office) | Oceanside, CA |
| Barstow 009 | Barstow, CA |
| Borrego Springs Branch | Borrego Springs, CA |
| Brawley Branch | Brawley, CA |
| Camp Pendleton | Camp Pendleton, CA |
| Camp Pendleton - SOI | Camp Pendleton, CA |
| Camp Pendleton - Pacific Plaza | Camp Pendleton, CA |
| El Centro | El Centro, CA |
| Escondido - 024 | Escondido, CA |
| Indio Branch | Indio, CA |
| Julian Branch | Julian, CA |
| Fire Mountain 008 | Oceanside, CA |
| San Diego 005 | San Diego, CA |
| San Marcos 010 | San Marcos, CA |
| Temecula 011 | Temecula, CA |
| Twentynine Palms 002 | Twentynine Palms, CA |
| Wildomar 023 | Wildomar, CA |
| Yucca 007 | Yucca Valley, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for FRONTWAVE - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.70B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- FRONTWAVE ranks #296 of 4,374 nationally on financial health and #26 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KEYPOINT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KEYPOINT
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is FRONTWAVE financially healthy?
FRONTWAVE scores 96/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #296 of 4,374; by total assets it ranks #290 of 4,374 nationally (same basis as /rankings/largest); and #40 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.79% net worth ratio and a 0.50% delinquency rate.
How does FRONTWAVE compare to other credit unions?
Five weighted metrics from NCUA filings produce FRONTWAVE's 96/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join FRONTWAVE?
Membership eligibility for FRONTWAVE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FRONTWAVE directly for current membership requirements and application steps.
Is my money safe at FRONTWAVE?
Federal credit unions like FRONTWAVE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. FRONTWAVE's net worth ratio of 8.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FRONTWAVE offer compared to banks?
Credit unions like FRONTWAVE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact FRONTWAVE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.