Total Assets
$1.8B
Total Deposits
$1.4B
Branches
18
Established
1952
FRONTWAVE is a credit union headquartered in Oceanside, California, established in 1952. It holds $1.8B in total assets across 18 branch locations. In our editorial opinion, based on public FDIC/NCUA data, FRONTWAVE earns a TFS Financial Health Grade of C+ (69.8/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
69.8 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through March 31, 2026. Updated by TFS August 28, 2026. Data sourced from NCUA Call Reports as of 2026-Q1. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| OceansideHQ | 1278 Rocky Point Dr | Oceanside | CA | Full Service |
| Barstow 009 | 995 Armory Rd | Barstow | CA | Full Service |
| Borrego Springs Branch | 571 Palm Canyon Dr | Borrego Springs | CA | Full Service |
| Brawley Branch | 310 Main St | Brawley | CA | Full Service |
| Camp Pendleton | MCX Complex, Building CU - 1105 | Camp Pendleton | CA | Full Service |
| Camp Pendleton - Pacific Plaza | 20845 Vandegrift Blvd. | Camp Pendleton | CA | Full Service |
| Camp Pendleton - SOI | 520409 Basilone Road | Camp Pendleton | CA | Full Service |
| El Centro | 1443 W Main St | El Centro | CA | Full Service |
| Escondido - 024 | 1645 S Centre City Pkwy Ste B | Escondido | CA | Full Service |
| Indio Branch | 81701 US Highway 111 | Indio | CA | Full Service |
| Julian Branch | 2015 Main St | Julian | CA | Full Service |
| Fire Mountain 008 | 2454 Vista Way | Oceanside | CA | Full Service |
| San Diego 005 | 2118 Hochmuth Ave Bldg 2 | San Diego | CA | Full Service |
| San Marcos 010 | 670 W San Marcos Blvd Ste 101 | San Marcos | CA | Full Service |
| Temecula 011 | 40325 Winchester Rd | Temecula | CA | Full Service |
| Twentynine Palms 002 | Bldg. 1515, MCAGCC | Twentynine Palms | CA | Full Service |
| Wildomar 023 | 36290 Hidden Springs Rd | Wildomar | CA | Full Service |
| Yucca 007 | 57402 29 Palms Hwy Ste 6 | Yucca Valley | CA | Full Service |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
69.8
Net worth ratio
8.79%
Return on assets
0.83%
60+ day delinquency
0.29%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.