FRONTWAVE
State-Chartered • Oceanside, California • Est. 1952
Quick Facts
- Charter Number
- #68494
- Type
- State-Chartered
- Established
- 1952
- Headquarters
- Oceanside, California 92056
- Address
- 1278 Rocky Point Dr
- Branches
- 18
- ATMs
- 18
- Members
- 131,835
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
131,835 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FRONTWAVE |
|---|---|
| Total Assets | $1.7B |
| Members | 131,835 |
| Loans Outstanding | $1.2B |
| Shares & Deposits | $1.4B |
| Net Worth | $151.4M |
| Net Worth Ratio | 8.91% |
| Loan-to-Share Ratio | 84.4% |
| Delinquency Rate | 0.50% |
| Net Income | +$17,455,747 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
18 locations · 18 ATMs
Fire Mountain 008
2454 Vista Way
Oceanside, CA 92054
San Marcos 010
670 W San Marcos Blvd Ste 101
San Marcos, CA 92078
Barstow 009
995 Armory Rd
Barstow, CA 92311
Temecula 011
40325 Winchester Rd
Temecula, CA 92591
Camp Pendleton
MCX Complex, Building CU - 1105
Camp Pendleton, CA 92055
Who Can Join FRONTWAVE?
Membership Type: Community
Membership eligibility for FRONTWAVE may vary. Contact the credit union directly to confirm qualification requirements.
Contact FRONTWAVE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View California RankingsFrequently Asked Questions
Yes. FRONTWAVE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, FRONTWAVE has 131,835 members and a potential membership field of 8,131,057 people.
FRONTWAVE's net worth ratio is 8.91% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 8.9%, FRONTWAVE meets this threshold.
FRONTWAVE operates 18 branch locations and has access to 18 ATMs. The main office is located at 1278 Rocky Point Dr, Oceanside, CA 92056.
FRONTWAVE was established in 1952. It is a state-chartered credit union chartered under charter number 68494. The institution has been serving members for 74 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FRONTWAVE. All financial data is for informational purposes only.