Frontwave
Oceanside, CA · Charter 68494 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
$1.7BAssets
$1.2BLoans
$1.4BShares
$159.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 74% of credit unions $1B-$10B in assets (rank 111 of 435).
- Widest gap: equity / assets trails 87% of credit unions $1B-$10B in assets (rank 379 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.88%
Rank 187 of 435
Net Interest Margin
3.21%
Rank 271 of 435
Efficiency Ratio
76.36%
Rank 306 of 435
Equity / Assets
9.13%
Rank 379 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.55% | 0.81% | 1.14% | Beats 57% | 187 / 435 | | |
| Return on Equity | 9.64% | 5.12% | 7.41% | 9.70% | Beats 74% | 111 / 435 | | |
| Net Interest Margin | 3.21% | 3.01% | 3.39% | 3.75% | Beats 38% | 271 / 435 | | |
| Efficiency Ratio | 76.36% | 65.25% | 71.39% | 77.86% | Beats 30% | 306 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.45% | 0.69% | 1.05% | Beats 39% | 265 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.13% | 9.81% | 10.84% | 12.63% | Beats 13% | 379 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.13% | 9.81% | 10.84% | 12.63% | Beats 13% | 379 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.54% | 78.33% | 88.38% | 95.61% | 43rd pctl | 248 / 435 | | |
| Loans / Assets | 69.64% | 67.69% | 74.58% | 80.80% | 32nd pctl | 294 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |