BlastPoint's Credit Union Scorecard

FRONTWAVE

Charter #68494 · CA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 39 in CA

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FRONTWAVE has 8 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 1.3% in tier
+ Emerging Performer: Top 37.3% in tier
+ Organic Growth Engine: Top 45.5% in tier
+ Organic Growth Leader: Top 45.5% in tier
+ ROA 0.11% above tier average
+ AMR Growth Rate: Top 1.0% in tier
+ Loan Growth Rate: Top 2.6% in tier
+ Deposit Growth Rate: Top 2.9% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 2.09% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 8.2% in tier
- Net Worth Ratio: Bottom 9.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	127,939 +2.6% YoY-3.0% QoQ	+31.9K	96,048 -2.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	81%
Assets	$1.8B +19.8% YoY+3.8% QoQ	+$44.8M	$1.7B +0.4% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	61%
Loans	$1.2B +27.5% YoY-0.5% QoQ	$-1.5M	$1.2B +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	61%
Deposits	$1.4B +24.9% YoY+0.2% QoQ	$-19.0M	$1.5B +0.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	58%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +137.3% YoY+24.7% QoQ	+0.1%	0.7% +27.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	65%
NIM	3.2% +24.3% YoY+18.4% QoQ	-0.2%	3.4% +6.2% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	34%
Efficiency Ratio	76.7% -3.8% YoY-0.3% QoQ	+2.1%	74.6% -3.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	58%
Delinquency Rate	0.3% -20.2% YoY-42.2% QoQ	-0.5	0.8% +6.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Top 13.7% in tier
Loan To Share	83.8% +2.1% YoY-0.7% QoQ	+0.6%	83.2% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	45%
AMR	$20,782 +22.9% YoY+2.9% QoQ	$-9K	$29,652 +2.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Bottom 7.8% in tier
CD Concentration	22.8% -19.4% YoY-3.5% QoQ	-6.0%	28.8%	21.6%	19.8%	24%
Indirect Auto %	5.6% -46.4% YoY-10.3% QoQ	-12.5%	18.1%	9.0%	7.7%	27%

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth

#5 of 125 • Top 1.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 22.89%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Organic Growth Engine

growth

#67 of 115 • Top 45.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.58%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.83%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 5.58%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Emerging Performer

growth

#51 of 79 • Top 37.3% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.83%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.58%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Organic Growth Leader

growth

#76 of 116 • Top 45.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.58%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 5.58%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (8 metrics)

AMR Growth Rate

growth

Value: 22.89%

Peer Median: 3.15%

#4 of 306 Top 1.0% in 1B-3B tier

Loan Growth Rate

growth

Value: 27.52%

Peer Median: 5.67%

#9 of 306 Top 2.6% in 1B-3B tier

Deposit Growth Rate

growth

Value: 24.85%

Peer Median: 4.44%

#10 of 306 Top 2.9% in 1B-3B tier

Asset Growth Rate

growth

Value: 19.77%

Peer Median: 4.82%

#14 of 306 Top 4.2% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.29%

Peer Median: 0.63%

#43 of 306 Top 13.7% in 1B-3B tier

Total Members

engagement

Value: 127,939

Peer Median: 85,918

#59 of 306 Top 19.0% in 1B-3B tier

Fee Income Per Member

profitability

Value: $255.85

Peer Median: $191.54

#63 of 306 Top 20.3% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 418.101

Peer Median: 345.077

#68 of 306 Top 21.9% in 1B-3B tier

Top Weaknesses (3 metrics)

282

Average Member Relationship (AMR)

engagement

Value: $20,782

Peer Median: $28,178

#282 of 306 Bottom 8.2% in 1B-3B tier

279

Net Worth Ratio

risk

Value: 8.79%

Peer Median: 10.85%

#279 of 306 Bottom 9.2% in 1B-3B tier

264

Loan-to-Member Ratio (LMR)

engagement

Value: $9,475

Peer Median: $12,733

#264 of 306 Bottom 14.1% in 1B-3B tier