B
Frontwave Credit Union
Rating Date
September 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Frontwave Credit Union
Oceanside, CA
Click to
Compare
Click to
Compare
Click to
Compare
Rating B
Asset Quality Index 9.50
Capitalization Index 6.00
Liquidity Index 2.80
Profitability Index 4.60
Stability Index 5.60
Company Info Frontwave Credit Union
Oceanside, CA
Click to
Compare
Click to
Compare
Click to
Compare
NCUA Charter Number 1742
Phone Number (760) 631-8700
Website www.frontwavecu.com
Asset Quality Frontwave Credit Union
Oceanside, CA
Click to
Compare
Click to
Compare
Click to
Compare
1-Year Asset Growth -3.85%
5-Year Asset Growth 9.93%
5-Year Charge-Offs to Average Loans 0.46%
Charge-Offs to Average Loans 0.55%
Non-Performing Assets to Assets 0.26%
Non-Performing Loans to Capital 2.85%
Non-Performing Loans to Loans 0.40%
Balance Sheet Frontwave Credit Union
Oceanside, CA
Click to
Compare
Click to
Compare
Click to
Compare
Total Assets 1.47B
Total Deposits 1.14B
Capital and Reserves Frontwave Credit Union
Oceanside, CA
Click to
Compare
Click to
Compare
Click to
Compare
Capital 123.53M
Leverage Ratio 9.89
Loan Loss Reserves to Loans 0.92%
Liquidity Frontwave Credit Union
Oceanside, CA
Click to
Compare
Click to
Compare
Click to
Compare
Hot Money Ratio 15.20%
Liquidity Ratio 11.31%
Profitability Frontwave Credit Union
Oceanside, CA
Click to
Compare
Click to
Compare
Click to
Compare
5-Year Return on Average Assets 0.47%
Net Income 4.07M
Net Interest Spread 3.05%
Operating Profit to Average Assets 0.97%
Overhead Efficiency Ratio 77.58%
Return on Assets 0.56%
Return on Equity 6.90%