BlastPoint's Credit Union Scorecard
FRONTWAVE
Charter #68494 · CA
FRONTWAVE has 5 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
- + Organic Growth Engine: Top 26.8% in tier
- + Organic Growth Leader: Top 28.6% in tier
- + Credit Quality Leader: Top 85.1% in tier
- + Emerging Performer: Top 98.6% 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
|
79% |
| 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
|
50% |
| 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
|
33% |
| 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
|
36% |
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| 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
|
42% |
| 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
|
15% |
| 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
|
63% |
| 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
|
21% |
| 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
|
33% |
| 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%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
48% |
| Indirect Auto % |
8.8%
-26.4% YoY-8.7% QoQ
|
-10.0% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
33% |
Signature Analysis
Strengths (4)
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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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 (0)
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)