FRONTWAVE

Charter #68494 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

FRONTWAVE has 4 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 19.3% in tier
  • + Organic Growth Engine: Top 26.8% in tier
  • + Organic Growth Leader: Top 28.6% in tier
  • + Members Per Employee (MPE): Top 4.9% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.10% below tier average
  • - Efficiency ratio 3.62% above tier (higher cost structure)
  • - Average Member Relationship (AMR): Bottom 2.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 3.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 130,089
+1.5% YoY+3.4% QoQ
 +31.4K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Top 21.4% in tier
Assets $1.5B
+1.9% YoY+3.1% QoQ
 $-203.8M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 50th in tier
Loans $944.4M
-1.0% YoY-0.1% QoQ
 $-288.6M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 33rd in tier
Deposits $1.2B
+3.2% YoY+1.2% QoQ
 $-300.2M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 36th in tier
ROA 0.6%
+30.4% YoY+8.8% QoQ
 -0.1% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 42nd in tier
NIM 2.6%
+12.4% YoY+0.6% QoQ
 -0.7% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 15.1% in tier
Efficiency Ratio 77.6%
-4.1% YoY+0.0% QoQ
 +3.6% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 63rd in tier
Delinquency Rate 0.4%
-35.3% YoY-3.7% QoQ
 -0.4 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 21.1% in tier
Loan To Share 81.8%
-4.1% YoY-1.3% QoQ
 -3.4% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 33rd in tier
AMR $16,132
-0.3% YoY-2.7% QoQ
 $-13K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 2.0% in tier
CD Concentration 28.2%
-0.6% YoY+2.5% QoQ
 -0.8% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 48th in tier
Indirect Auto % 8.8%
-26.4% YoY-8.7% QoQ
 -10.0% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 33rd in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#103 of 184 • Top 19.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.60%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 1.54%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY

Organic Growth Engine

growth
#195 of 246 • Top 26.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.54%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.60%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 8.82%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth
#113 of 138 • Top 28.6% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.54%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Concerns (0)

No concerns identified

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)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

16
Members Per Employee (MPE)
engagement
Value: 508.160
Peer Avg: 364.953
#16 of 304 Top 4.9% in 1B-3B tier
65
Total Delinquency Rate (60+ days)
risk
Value: 0.38%
Peer Avg: 0.83%
#65 of 304 Top 21.1% in 1B-3B tier
65
Total Members
engagement
Value: 130,089
Peer Avg: 98,678
#65 of 304 Top 21.1% in 1B-3B tier

Top Weaknesses (6 metrics)

298
Average Member Relationship (AMR)
engagement
Value: $16,132
Peer Avg: $29,172
#298 of 304 Bottom 2.3% in 1B-3B tier
293
Loan-to-Member Ratio (LMR)
engagement
Value: $7,260
Peer Avg: $13,213
#293 of 304 Bottom 3.9% in 1B-3B tier
258
Net Interest Margin (NIM)
profitability
Value: 2.60%
Peer Avg: 3.26%
#258 of 304 Bottom 15.5% in 1B-3B tier
253
First Mortgage Concentration (%)
balance_sheet
Value: 47.31%
Peer Avg: 34.01%
#253 of 304 Bottom 17.1% in 1B-3B tier
246
Loan Growth Rate
growth
Value: -1.01%
Peer Avg: 5.27%
#246 of 304 Bottom 19.4% in 1B-3B tier
232
AMR Growth Rate
growth
Value: -0.28%
Peer Avg: 3.29%
#232 of 304 Bottom 24.0% in 1B-3B tier