FRONTWAVE
Charter #68494 · Oceanside, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 127,939 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.79% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.21% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.27% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.29% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FRONTWAVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.76B | 39th pct | 57th pct |
| Members | 127,939 | 54th pct | 75th pct |
| Net worth ratio | 8.79% | 9th pct | 8th pct |
| Return on average assets | 0.84% | 60th pct | 52th pct |
| Net interest margin | 3.21% | 42th pct | 23th pct |
| Cost of funds | 0.27% | 7th pct | 7th pct |
| Loan-to-share | 83.80% | 42th pct | 57th pct |
| Delinquency 60+ days | 0.29% | 13th pct | 18th pct |
| Net charge-off ratio | 0.53% | 51th pct | 54th pct |
| Loan growth YoY | 28.35% | 98th pct | 98th pct |
| Share growth YoY | 25.33% | 98th pct | 97th pct |
| Efficiency ratio | 76.73% | 66th pct | 57th pct |
structural peer set hash: 528a32931c2a2c50abb95b695a9b0182… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.