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
- 127,939
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
127,939 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FRONTWAVE |
|---|---|
| Total Assets | $1.8B |
| Members | 127,939 |
| Loans Outstanding | $1.2B |
| Shares & Deposits | $1.4B |
| Net Worth | $155.1M |
| Net Worth Ratio | 8.79% |
| Loan-to-Share Ratio | 83.8% |
| Delinquency Rate | 0.29% |
| Net Income | +$3,651,803 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in California
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View California RankingsFrequently Asked Questions
FRONTWAVE is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, FRONTWAVE has 127,939 members and a potential membership field of 8,131,057 people.
FRONTWAVE's reported net worth ratio is 8.79% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or FRONTWAVE. All financial data is for informational purposes only.