Frontwave

Oceanside, CA · 2 · Charter #68494 · www.frontwavecu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.7B
40th percentile
Members
131,835
56th percentile
Total loans
$1.2B
40th percentile
Total shares
$1.4B
37th percentile

Profitability

Return on assets
0.61%
24th percentile
Net interest margin
2.52%
15th percentile
Efficiency ratio
59.28%
20th percentile
Non-interest income ratio
33.45%
98th percentile

Capital & Risk

Net worth ratio
8.91%
12th percentile
Delinquency rate
0.50%
70th percentile
Net charge-off rate
0.43%
59th percentile
Loan-to-share
87.44%
46th percentile

Growth

Member growth YoY
5.32%
79th percentile
Asset growth YoY
20.67%
96th percentile
Loan growth YoY
26.87%
97th percentile
Share growth YoY
25.56%
97th percentile

Operations

Members / branch
7,324
47th percentile
Assets / member
$12,891
7th percentile
Field of membership penetration
1.62%
16th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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