FRONTWAVE Credit Union Profile

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FRONTWAVE

Charter #68494 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (800) 736-4500

Fax: (877) 789-7628

Founding Date: N/A

Website: http://www.frontwavecu.com

Personnel & Operations

President: Greving, Gary

Manager: Birnie, William

FT Employees: 244

PT Employees: 7

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 13

Hours: Mon - Fri 9:00 am - 6:00 pm Sat 9:00 - 4:0

Credit Union Profile Summary

FRONTWAVE is a FISCU Credit Union. With a total of 125,815 members [1], this institution manages approximately $1,469,759,990 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.88% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.13% [1].

Financial Snapshot

Total Assets [1]
$1,469,759,990

Total economic resources.

Total Loans [1]
$945,170,631

Total value of outstanding loans.

Total Deposits [1]
$1,140,476,470

Total funds deposited by members.

Members [1]
125,815

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.88%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.57%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
82.88%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
-3.85%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
0.13%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
1.18%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1278 Rocky Point Dr

Oceanside, CA, 92056

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

No approved reviews yet. Be the first to rate this Credit Union!

Branch Locations

Found 14 branches reported by FRONTWAVE (Charter #68494).

Main Office

Oceanside Main Office

Type: Corporate Office

1278 Rocky Point Dr

Oceanside, CA 92056

Phone: (800) 736-4500

Services: Member Services, ATM

Open in Directions

Additional Branches

Barstow

Barstow 009

Type: Branch Office

995 Armory Rd

Barstow, CA 92311

Phone: (800) 736-4500

Services: Member Services, ATM

Open in Directions

Camp Pendleton

Camp Pendleton

Type: Branch Office

MCX Complex, Building CU - 1105

Camp Pendleton, CA 92055

Phone: (800) 736-4500

Services: Member Services, ATM

Open in Directions

Camp Pendleton - Pacific Plaza

Type: Branch Office

20845 Vandegrift Blvd.

Unit B-1

Camp Pendleton, CA 92055

Phone: (800) 736-4500

Services: Member Services, ATM

Open in Directions

Camp Pendleton - SOI

Type: Branch Office

525111-T Basilone Rd

SOI

Camp Pendleton, CA 92055

Phone: (800) 736-4500

Services: Member Services, ATM

Open in Directions

Escondido

Escondido - 024

Type: Branch Office

1645 S Centre City Pkwy Ste B

Escondido, CA 92025-6068

Phone: (760) 631-8700

Services: Member Services, ATM

Open in Directions

Oceanside

Fire Mountain 008

Type: Branch Office

2454 Vista Way

Oceanside, CA 92054

Phone: (800) 736-4500

Services: Member Services, ATM

Open in Directions

San Diego

San Diego 005

Type: Branch Office

2118 Hochmuth Ave Bldg 2

San Diego, CA 92140

Phone: (800) 436-4500

Services: Member Services, ATM

Open in Directions

San Marcos

San Marcos 010

Type: Branch Office

670 W San Marcos Blvd Ste 101

San Marcos, CA 92078

Phone: (800) 736-4500

Services: Member Services, ATM

Open in Directions

Temecula

South Temecula

Type: Branch Office

31709 Temecula Pkwy

Temecula, CA 92592-5869

Phone: (760) 430-7511

Services: Member Services, ATM, Drive-Thru

Open in Directions

Temecula 011

Type: Branch Office

40325 Winchester Rd

Temecula, CA 92591

Phone: (800) 736-4500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Twentynine Palms

Twentynine Palms 002

Type: Branch Office

Bldg. 1515, MCAGCC

Twentynine Palms, CA 92278

Phone: (800) 736-4500

Services: Member Services, ATM

Open in Directions

Wildomar

Wildomar 023

Type: Branch Office

36290 Hidden Springs Rd

Suite A and B Wildomar Square

Wildomar, CA 92595

Phone: (760) 631-8700

Services: Member Services, ATM

Open in Directions

Yucca Valley

Yucca 007

Type: Branch Office

57402 29 Palms Hwy Ste 6

Yucca Valley, CA 92284

Phone: (800) 736-4500

Services: Member Services, ATM

Open in Directions