BlastPoint's Credit Union Scorecard
FRONTWAVE
Charter #68494 · CA
FRONTWAVE has 8 strengths but faces 4 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 1.6% in tier
- + Emerging Performer: Top 42.1% in tier
- + Organic Growth Leader: Top 46.5% in tier
- + Organic Growth Engine: Top 46.5% in tier
- + ROA 0.06% above tier average
- + AMR Growth Rate: Top 1.3% in tier
- + Loan Growth Rate: Top 2.0% in tier
- + Deposit Growth Rate: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2.4% in tier
- - Credit Quality Pressure: Bottom 8.6% in tier
- - Efficiency ratio 3.34% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 7.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +24.3% year over year ($1.42B in shares and deposits).
- Membership: 128,682 members, +2.3% vs a year ago.
- Delinquency rate 0.81%.
- Return on assets 0.87%.
- Efficiency ratio 76.36% vs a 73.02% peer average.
- Loan-to-share ratio 85.54% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
128,682
+2.3% YoY+0.6% QoQ
|
+31.8K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$1.7B
+18.5% YoY-1.3% QoQ
|
+$17.8M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$1.2B
+28.3% YoY+0.1% QoQ
|
$-21.1M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
59% |
| Deposits |
$1.4B
+24.3% YoY-2.0% QoQ
|
$-45.3M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
0.9%
+58.3% YoY+5.7% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
61% |
| NIM |
3.2%
+23.3% YoY+1.1% QoQ
|
-0.2% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
76.4%
-1.6% YoY-0.5% QoQ
|
+3.3% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
63% |
| Delinquency Rate |
0.8%
+103.5% YoY+178.9% QoQ
|
+0.0 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
85.5%
+3.2% YoY+2.1% QoQ
|
+0.8% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$20,447
+23.3% YoY-1.6% QoQ
|
$-9K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.0% in tier |
| CD Concentration |
22.5%
-18.2% YoY-1.3% QoQ
|
-6.6% | 29.1% | 22.2% | 20.0% | 23% |
| Indirect Auto % |
5.0%
-48.7% YoY-11.1% QoQ
|
-13.1% | 18.1% | 9.2% | 7.7% | 24% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)