Charter 68494 · Oceanside, CA
Frontwave Credit Union
Frontwave Credit Union is a state-chartered credit union in Oceanside, California, with $1.74 billion in assets and 128,682 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.13%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.74 billion
- +18.5% in a year
- Members
- 128,682
- +2.3% in a year
- Net worth ratio
- 9.13%
- Peer median 10.79%
- Loans 60+ days late
- 0.81%
- Peer median 0.67%
- Loans outstanding
- $1.21 billion
- +28.3% in a year
- Shares and deposits
- $1.42 billion
- +24.3% in a year
- Branches
- 18
- 311 employees
- Opened
- 1952
- California charter
How Frontwave Credit Union compares
NCUA groups credit unions by size; Frontwave Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.13% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.81%, is higher than the group median of 0.67%. Loans grew 28.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 40 of 239 credit unions headquartered in California. See all California credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.74 billion | 128,682 | $1.21 billion | 9.13% | 0.81% |
| Q1 2026 | $1.76 billion | 127,939 | $1.21 billion | 8.79% | 0.29% |
| Q4 2025 | $1.70 billion | 131,835 | $1.22 billion | 8.91% | 0.50% |
| Q3 2025 | $1.52 billion | 130,089 | $944 million | 9.76% | 0.38% |
| Q2 2025 | $1.47 billion | 125,815 | $945 million | 9.88% | 0.40% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 8.1 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 18 sites for Frontwave Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Fire Mountain
2454 Vista Way, Oceanside, CA 92054 - San Marcos
670 W San Marcos Blvd Ste 101, San Marcos, CA 92078 - Barstow
995 Armory Rd, Barstow, CA 92311 - Temecula
40325 Winchester Rd, Temecula, CA 92591 - Camp Pendleton
Mcx Complex, Building Cu - 1105, Camp Pendleton, CA 92055 - Twentynine Palms
Bldg. 1515, Mcagcc, Twentynine Palms, CA 92278 - Oceanside (main office)
1278 Rocky Point Dr, Oceanside, CA 92056 - Camp Pendleton - SOI
520409 Basilone Road, Camp Pendleton, CA 92055 - San Diego
2118 Hochmuth Ave Bldg 2, San Diego, CA 92140 - Yucca
57402 29 Palms Hwy Ste 6, Yucca Valley, CA 92284 - Wildomar
36290 Hidden Springs Rd, Wildomar, CA 92595 - Escondido
1645 S Centre City Pkwy Ste B, Escondido, CA 92025 - Camp Pendleton - Pacific Plaza
20845 Vandegrift Blvd., Camp Pendleton, CA 92055 - Borrego Springs
571 Palm Canyon Dr, Borrego Springs, CA 92004 - Brawley
310 Main St, Brawley, CA 92227 - El Centro
1443 W Main St, El Centro, CA 92243 - Indio
81701 Us Highway 111, Indio, CA 92201 - Julian
2015 Main St, Julian, CA 92036
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology