TellerScore

Frontwave Credit Union (NCUA charter #68494) is based in Oceanside, California. Its Q2 2026 call report shows $1.7B in total assets and $1.4B in member shares and deposits and 14 offices.

Frontwave Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 163rd. Problem-loan coverage contributes the most (88/100, 6.2%); capital cushion contributes the least (41/100, 9.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.13%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.81%
Earnings55/100
Return on assets (annualized): 0.88%
Funding & liquidity75/100
Loans ÷ shares: 85.5% · 9.8% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.19%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (66 → 62), mostly because the loan quality component weakened by 14 points.

TellerScore
616466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202461
Q4 202465
Q1 202564
Q2 202566
Q3 202566
Q4 202562
Q1 202665
Q2 202662
Net worth ratio
7.00%8.51%10.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.04%
Q3 20249.39%
Q4 202410.02%
Q1 20259.67%
Q2 20259.88%
Q3 20259.76%
Q4 20258.91%
Q1 20268.79%
Q2 20269.13%
Delinquent loans (60+ days)
0.29%0.55%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.44%
Q3 20240.59%
Q4 20240.41%
Q1 20250.36%
Q2 20250.40%
Q3 20250.38%
Q4 20250.50%
Q1 20260.29%
Q2 20260.81%
Return on assets
0.34%0.61%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.50%
Q3 20240.47%
Q4 20240.52%
Q1 20250.34%
Q2 20250.55%
Q3 20250.59%
Q4 20250.63%
Q1 20260.83%
Q2 20260.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$1.7B9.13%0.81%0.88%85.5%
Q1 202665$1.8B8.79%0.29%0.83%83.8%
Q4 202562$1.7B8.91%0.50%0.63%84.4%
Q3 202566$1.5B9.76%0.38%0.59%81.8%
Q2 202566$1.5B9.88%0.40%0.55%82.9%
Q1 202564$1.5B9.67%0.36%0.34%82.0%
Q4 202465$1.4B10.02%0.41%0.52%86.5%
Q3 202461$1.5B9.39%0.59%0.47%85.3%
Q2 202463$1.5B9.04%0.44%0.50%79.6%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.13%
13th
Problem loans0.81%
39th
Net charge-offs0.47%
55th
Return on assets0.88%
58th
Loans to deposits85.5%
56th
Uninsured deposits9.8%
44th
Loan-loss reserves0.00%
50th
Texas ratio6.2%
36th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Coasthills Federal Credit UnionCredit union Santa Maria, CA51 out of 100, Below average$1.8B8.0%0.67%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Keypoint Credit UnionCredit union San Jose, CA59 out of 100, Moderate$1.7B9.1%0.36%vs
Northrop Grumman Federal Credit UnionCredit union Gardena, CA53 out of 100, Below average$1.6B9.1%1.62%vs
San Francisco Federal Credit UnionCredit union San Francisco, CA86 out of 100, Very strong$1.6B13.6%0.15%vs
San Francisco Fire Credit UnionCredit union San Francisco, CA70 out of 100, Strong$1.6B10.7%0.54%vs

Deposit insurance

Is my money safe at Frontwave Credit Union?

Yes. Frontwave Credit Union is a federally insured credit union (NCUA charter #68494). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.8% of shares and deposits ($139.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.13%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

14 locations

Branches

Frontwave Credit Union lists 14 offices in 11 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Frontwave Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68494
RSSD ID
514785
Primary regulator
State + NCUA
Established
1952
Headquarters
1278 Rocky Point Dr, Oceanside, CA 92056
Employees
311

Quick answers

Frontwave Credit Union: common questions

Is Frontwave Credit Union NCUA insured?

Yes. Frontwave Credit Union is a federally insured credit union (NCUA charter #68494). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Frontwave Credit Union's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Frontwave Credit Union have?

14 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oceanside

InstitutionScoreAssetsCapitalProblem loansCompare
San Diego County Credit UnionCredit union San Diego, CA86 out of 100, Very strong$9.5B19.8%0.20%vs
California Coast Credit UnionCredit union San Diego, CA85 out of 100, Very strong$3.5B13.9%0.26%vs
Mission Federal Credit UnionCredit union San Diego, CA81 out of 100, Strong$7.3B12.3%0.15%vs
Farmers and Merchants Bank of Long BeachBank Long Beach, CA80 out of 100, Strong$11.8B14.0%0.01%vs
Hatch BankBank San Marcos, CA78 out of 100, Strong$177.5M21.5%0.10%vs
California Bank of Commerce, National AssociationBank San Diego, CA75 out of 100, Strong$4.0B12.8%0.29%vs