TellerScore

Side-by-side · Q2 2026 data

Hatch Bank vs Frontwave Credit Union

Bank

Hatch Bank

San Marcos, California · $100 million – $1 billion

78of 100
Strong

Credit union

Frontwave Credit Union

Oceanside, California · $1 billion – $10 billion

62of 100
Moderate

Metric by metric

MeasureHatch BankFrontwave Credit Union
TellerScore78 (stronger)62
Capital cushion100 (stronger)41
Loan quality97 (stronger)73
Earnings3255 (stronger)
Funding & liquidity5075 (stronger)
Problem-loan coverage99 (stronger)88
Peer percentile72nd30th
Total assets$177.5M$1.7B
Deposits / shares$41.3M$1.4B
Capital ratio21.49% (stronger)9.13%
Problem loans0.10% (stronger)0.81%
Net charge-offs0.64%0.47% (stronger)
Return on assets0.30%0.88% (stronger)
Loans ÷ deposits266.1%85.5% (stronger)
Uninsured deposits0.0% (stronger)9.8%
Offices114
CFPB complaints (3 yrs)——
Complaints per $1B deposits——
Mortgage denial rate (HMDA)——

Hatch Bank has the higher TellerScore (78 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Hatch Bank leads on 4 and Frontwave Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.

Where both have branches

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