BlastPoint's Credit Union Scorecard
FRONTWAVE
Charter #68494 · CA
FRONTWAVE has 9 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 3.3% in tier
- + Organic Growth Engine: Top 28.9% in tier
- + Organic Growth Leader: Top 31.9% in tier
- + Emerging Performer: Top 48.7% in tier
- + Strong member growth: 5.3% YoY
- + Deposit Growth Rate: Top 1.0% in tier
- + AMR Growth Rate: Top 1.0% in tier
- + Loan Growth Rate: Top 3.0% in tier
- + Asset Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 15.3% in tier
- - Credit Quality Pressure: Bottom 61.4% in tier
- - ROA 0.02% below tier average
- - Efficiency ratio 2.88% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
131,835
+5.3% YoY+1.3% QoQ
|
+34.4K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$1.7B
+20.7% YoY+12.1% QoQ
|
$-23.8M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$1.2B
+26.9% YoY+29.0% QoQ
|
$-15.9M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$1.4B
+30.1% YoY+25.1% QoQ
|
$-15.4M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
58% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
+32.4% YoY+10.4% QoQ
|
-0.0% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
2.7%
+9.5% YoY+2.4% QoQ
|
-0.6% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
76.9%
-4.0% YoY-0.8% QoQ
|
+2.9% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.5%
+22.0% YoY+31.1% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
84.4%
-2.5% YoY+3.1% QoQ
|
-0.4% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$20,195
+22.1% YoY+25.2% QoQ
|
$-9K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.6% in tier |
| CD Concentration |
23.6%
-18.3% YoY-16.3% QoQ
|
-5.4% | 29.0% | 21.7% | 19.8% | 27% |
| Indirect Auto % |
6.2%
-43.8% YoY-29.5% QoQ
|
-12.1% | 18.3% | 9.2% | 7.8% | 28% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)