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Credit union call report ยท Oceanside, CA

Frontwave Credit Union Call Report

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Frontwave Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 484 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Frontwave Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number68494
Federal Reserve RSSD ID514785

The official copy: search charter number 68494 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Frontwave Credit Union call report, Q2 2026

Statement of Financial Condition (40 items)
Frontwave Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $11.9M
1b. Cash Items in Process of Collection AS0005 -$776
1c. Total Cash on Hand 730A $11.9M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $1.1M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $87.5M
2c. Cash on Deposit in Other Financial Institutions 730B2 $2.3M
2. Cash on Deposit (total) 730B $90.9M
4. All Other Deposits AS0008 $21K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $102.8M
6. Equity Securities AS0055 $10.9M
8. Available-for-Sale Debt Securities AS0067 $223.9M
11. TOTAL INVESTMENT SECURITIES AS0013 $234.8M
12b. Perpetual Contributed Capital 769B $525K
12c. All Other Investments AS0016 $9.2M
13. TOTAL OTHER INVESTMENTS AS0017 $9.8M
15a. Number of Total Loans and Leases 025A 62,523
15b. Total Loans and Leases 025B $1.21B
17. ACL on Loans and Leases AS0048 $12.6M
19. Land and Building 007 $25.7M
20. Other Fixed Assets 008 $3.5M
21. NCUA Share Insurance Capitalization Deposit 794 $12.4M
22a. Goodwill 009D2 $15.7M
22b. Mortgage Servicing Rights 779 $384K
22c. Other Intangible Assets AS0032 $3.3M
22d. Accrued Interest on Loans 009A $4.6M
22e. Accrued Interest on Investments 009B $929K
22f. All Other Assets 009C $127.9M
22g. Total Other Assets AS0036 $152.7M
23. TOTAL ASSETS 010 $1.74B
Accounts Payable and Other Liabilities 825 $19.8M
Accrued Dividends and Interest Payable 820A $68K
Borrowings (total) 860C $159.0M
Member Shares of All Types 013 $1.37B
Nonmember Deposits 880 $50.5M
Total Shares and Deposits 018 $1.42B
Undivided Earnings 940 $151.4M
Net Income (equity) 602 $7.7M
Total Net Worth 997 $159.1M
Net Worth Ratio 998 9.13%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $1.74B
Statement of Income and Expense (26 items)
Frontwave Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $34.5M
3. Income from Investments 120 $4.1M
5. TOTAL INTEREST INCOME 115 $38.6M
7. Interest on Deposits 381 $8.6M
8. Interest on Borrowed Money 340 $2.0M
9. TOTAL INTEREST EXPENSE 350 $10.6M
10. NET INTEREST INCOME IS0010 $28.0M
12a. Credit Loss Expense - Loans and Leases IS0011 $3.1M
12e. Total Credit Loss Expense IS0017 $3.1M
13. Fee Income 131 $7.2M
14. Other Operating Income IS0020 $9.7M
15. Gain (Loss) on Equity/Trading Securities IS0046 -$1.3M
19. Gain (Loss) on Sale of Loans IS0029 $59K
22. Other Non-Operating Income 440 $1.8M
23. TOTAL NON-INTEREST INCOME 117 $17.5M
24. Employee Compensation and Benefits 210 $16.5M
25. Travel and Conference 230 $261K
26. Office Occupancy 250 $2.1M
27. Office Operations 260 $7.2M
28. Educational and Promotional 270 $1.6M
29. Loan Servicing 280 $4.5M
30. Professional and Outside Services 290 $1.4M
32. Operating Fees 320 $102K
33. Miscellaneous Operating Expense 360 $1.1M
34. TOTAL NON-INTEREST EXPENSE 671 $34.7M
35. NET INCOME 661A $7.7M
Statement pages - all other filed accounts (25 items)

delinquency (21%), credit cards (21%)

Frontwave Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $3.4M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $5.2M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $11K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $1
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $483K
Loans Granted Year-to-Date 031A $3K
Amount of Loans Granted Year-to-Date 031B $121.3M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $9.9M
Number of current members (not number of accounts) 083 128,682
Number of potential members 084 8,131,057
Net Member Business Loan Balance 400A $267.5M
Non-Member Deposits 457 $1
Interest Rate of Unsecured Credit Card Loans 521 950.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,699.00%
Interest Rate of New Vehicle Loans 523 99.00%
Interest Rate of Used Vehicle Loans 524 599.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $3.3M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $400K
Amount of Regular Shares 657 $349.2M
Amount of Share Drafts 902 $499.0M
IRA/KEOGH Accounts - < 1 Year 906A $21.0M
Share Certificates - < 1 Year 908A $292.2M
Total Amount of Share Certificates 908C $319.2M
Total Amount of Money Market Shares 911 $174.4M
Number of Used Vehicle Loans 968 6,505
NCUA data file FS220A (29 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Frontwave Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $1.34B
Total Shares - 1-3 Years 013B1 $27.8M
Total Shares - > 3 Years 013B2 $3.9M
Total Shares and Deposits - < 1 Year 018A $1.39B
Total Shares and Deposits - 1-3 Years 018B1 $27.8M
Total Shares and Deposits - > 3 Years 018B2 $3.9M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 443
Amount of Delinquent Indirect Loans 041E $407K
Effective date of last audit 063 $32K
Amount of Used Vehicle Loans 370 $92.8M
Amount of New Vehicle Loans 385 $71.8M
Amount of Unsecured Credit Card Loans 396 $61.9M
Amount of All Other Unsecured Loans/Lines of Credit 397 $15.4M
Share Certificates 451 $9K
Number of Accounts for Share Drafts 452 100,181
IRA/KEOGH Accounts 453 $2K
Number of Accounts for Regular Shares 454 74,904
Money Market Shares 458 $3K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 188,904
Number of credit union employees who are Full-Time (26 hours or more) 564A 302
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 9
Number of Outstanding Indirect Loans 617A 3,245
Total Amount of Outstanding Indirect Loans 618A $60.2M
Amount of real estate loans sold but serviced by the credit union 779A $16.5M
Total credit lines 881 $595.8M
Draws against lines of credit, less than 1 year 883A $59.0M
Draws against lines of credit, 1 to 3 years 883B1 $100.0M
Draws against lines of credit, total amount 883C $159.0M
Miscellaneous Equity 996 $7K
NCUA data file FS220B (29 items)

maturity and repricing buckets (40%), credit cards (17%)

Frontwave Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $703K
Number - Total Delinquent Credit Card Loans 045A 290
Total Amount of Delinquent Unsecured Credit Card Loans 045B $1.0M
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $139.2M
Total Uninsured Nonmember Shares and Deposits > $250K (G+H+I) 067A2 $50.2M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $189.4M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $1.23B
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
Amount of Regular Shares - < 1 Year 657A $349.2M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $2.1M
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $203K
Total Borrowings - < 1 Year 860A $59.0M
Total Borrowings - 1-3 Years 860B1 $100.0M
Non-Member Deposits - < 1 Year 880A $50.5M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $499.0M
IRA/KEOGH Accounts - 1-3 Years 906B1 $3.4M
IRA/KEOGH Accounts - > 3 Years 906B2 $1.4M
Total Amount of IRA/KEOGH Accounts 906C $25.8M
Share Certificates - 1-3 Years 908B1 $24.5M
Share Certificates - > 3 Years 908B2 $2.5M
Money Market Shares - < 1 Year 911A $174.4M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $2.3M
Number of New Vehicle Loans 958 2,755
Total Shares 966 $189K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $4.5M
Number of Unsecured Credit Card Loans 993 32,122
Number of All Other Unsecured Loans/Lines of Credit 994 15,837
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 15
NCUA data file FS220C (9 items)

charge-offs and recoveries (27%), participation loans (18%)

Frontwave Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $398K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $36K
Number of credit union branches (include the main office if member services are conducted at that location) 566 18
Supplemental Share Information - Accts Held by Member Government Depositors 631 $12.7M
Supplemental Share Information - Accounts Held by Non-Member Government Depositors 632 $50.5M
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $188.2M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $8.7M
Amount of Participation Loans Purchased Year-to-Date 690 $8.6M
NCUA data file FS220D (31 items)

member services and products offered (69%), CUSO relationships (27%)

Frontwave Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $1
First Time Homebuyer Program 879B4 $1
No Cost Bill Payer 879C2 $1
Credit Builder 879D1 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
International Remittances 879V $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Point-of-sale-Processing PI0012 $1
Offer Custodial Accounts PP0032 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (5 items)

loans and leases (32%), participation loans (18%)

Frontwave Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $125.6M
Total Value of Investments in CUSOs 851 $1.3M
Total Aggregate Cash Outlay in CUSOs 853 $1.3M
Assets Pledged to Secure Borrowings 878 $1.09B
Total Credit Lines at Corporate Credit Unions 884 $70.0M
NCUA data file FS220H (1 item)

student loans (43%), delinquency (27%)

Frontwave Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $294.2M
NCUA data file FS220I (17 items)

vehicle lending (59%), delinquency (44%)

Frontwave Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $197K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $581K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $55K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $526K
Number of Reportable Delinquent New Vehicle Loans 035E1 4
Number of Reportable Delinquent Used Vehicle Loans 035E2 54
Amount of Reportable Delinquent New Vehicle Loans 041C1 $111K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $771K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $81K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $709K
Amount of New Vehicle Loans YTD Recoveries 551C1 $20K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $131K
Commercial Share Accounts 643 $106.4M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $556K
Draws Against LOCs from FHLB 885A3 $159.0M
Total Draws Againts LOCs 885A4 $159.0M
Number of International Remittances originated Year-to-Date 928 32
NCUA data file FS220J (5 items)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

Frontwave Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Securities 789C $25.2M
Other Investments 789D $568K
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $25.7M
Total Derivative Transactions Outstanding - Total Derivatives - Total Notional Amount 1030 $32.0M
Total Derivative Transactions Outstanding - Total Derivatives - Net Fair Value Gain (Loss) 1030C -$173K
NCUA data file FS220L (60 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Frontwave Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $63K
Total Amount of Loans & Leases on Loan Schedule 025B1 $1.21B
Outstanding Balance of Member Commercial Loans Secured by Farmland 042A5 $14.5M
Outstanding Balance of Member Commercial Loans to finance agricultural production and other loans to farmers 042A6 $3.5M
Amount of Agricultural Commercial Loans 042A9 $18.0M
Total number of commercial loans to members granted or purchased YTD 090A1 $45
Total number of purchased commercial loans or participation interests to nonmembers purchased YTD 090B1 $1
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 8
Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090J2 12
Number of purchased or participation interests in commercial loans secured by non-owner occupied non-farm, non-residential property to nonmembers purchased YTD 090J3 1
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $35
Total Number of purchased or participation interests in commercial loans secured by real estate to nonmembers YTD 090K3 $1
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 10
Number of member commercial loans Secured by Multifamily Property granted or purchased YTD 090M 4
Number of member construction and development commercial loans 143A3 22
Outstanding balance of member construction and development commercial loans 143B3 $5.7M
Number of member construction and development commercial loans granted or purchased YTD 143C3 11
Dollar Amount of member construction and development commercial loans granted or purchased YTD 143D3 $2.7M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $96.4M
Total outstanding balance of commercial loans to members 400A1 $257.8M
Total outstanding balance of nonmember commercial loans 400B1 $125.6M
Outstanding balance of purchased or participation interests in Unsecured Commercial Loans to nonmembers 400C7 $681K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $63.3M
Outstanding balance of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400H3 $7.3M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $117.0M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $70.8M
Outstanding balance of Member Commercial and Industrial loans 400L2 $13.6M
Outstanding balance of purchased or participation interests in Commercial and Industrial loans to nonmembers 400L3 $226K
Outstanding balance of member commercial loans Secured Multifamily Property 400M $40.0M
Outstanding balance of purchased or participation interests in commercial loans to nonmembers Secured by Multifamily Property 400M1 $46.6M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $18.1M
Outstanding balance of all member and non-member commercial loans 400T1 $383.4M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $32.1M
Total Dollar amount of nonmember commercial loans purchased YTD 475B1 $8.6M
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $8.4M
Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD 475J2 $17.5M
Dollar Amount of Purchased or participation interests in commercial loans to nonmembers Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property purchased YTD 475J3 $8.6M
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $31.4M
Total Dollar amount of real estate secured commercial loans to nonmembers purchased YTD 475K3 $8.6M
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $687K
Dollar Amount of Member Commercial loans Secured by Multifamily Property granted or purchased YTD 475M $2.8M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 675.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 800.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 675.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 588.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 1,490.00%
Number of Commercial Small Business Administration Loans Outstanding 691B1 32
Outstanding Balance of Commercial Small Business Administration Loans 691C1 $16.5M
Guaranteed Portion of Commercial Small Business Administration Loans 691C2 $12.9M
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $125.6M
Number of Commercial Other Government Guaranteed Loans Outstanding 691P 24
Outstanding Balance of Commercial Other Government Guaranteed Loans 691P1 $7.3M
Guaranteed Portion of Commercial Other Government Guaranteed Loans 691P2 $5.8M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $17.6M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $473.7M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $240.6M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $124.7M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $365.3M
Amount of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061 $11.5M
Number of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061A 11
NCUA data file FS220M (28 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Frontwave Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $67.8M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $156.2M
Total Unfunded Commitments for Commercial Loans 814K $37.7M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $10.5M
Total Unfunded Commitments for Non-Commercial Loans 816T $256.5M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $21.9M
Total number of member commercial loans 900A1 $426
Total number of nonmember commercial loans 900B1 $79
Number of purchased or Participation Interests in Unsecured Commercial Loans to nonmembers 900C7 12
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 117
Number of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900H3 9
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 108
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 29
Total number of real estate secured member commercial loans 900K2 $326
Total number of real estate secured nonmember commercial loans 900K3 $66
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 382
Number of Member Commercial and Industrial loans 900L2 92
Number of purchased or Participation Interest in Commercial and Industrial loans to nonmembers 900L3 1
Number of member commercial loans Secured by Multifamily Property 900M 55
Number of purchased or participation interests in commercial loans Secured by Multifamily Property to nonmembers 900M1 28
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 100
Total Number of Member and Nonmember commercial loans 900T1 $505
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 1,385
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 1,686
Number of member commercial loans Secured by Farmland 961A5 24
Number of member commercial loans to finance agricultural production and other loans to farmers 961A6 8
Number of Agricultural Commercial Loans 961A9 32
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 1,751
NCUA data file FS220N (13 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Frontwave Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Equity Securities <=1 Year AS0050 $2.4M
Equity Securities > 10 Years AS0054 $8.5M
Available-for-sale Debt Securities <=1 Year AS0062 $40.6M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $70.9M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $70.4M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $41.7M
Available-for-sale Debt Securities > 10 Years AS0066 $199K
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$14.0M
Total Liabilities LI0069 $1.60B
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $1.5M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $1.74B
Number of Loans Purchased from Other Sources YTD (Whole or partial loans) SL0012 235
Amount of Loans Purchased from Other Sources YTD (Whole or partial loans) SL0013 $11.1M
NCUA data file FS220P (49 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Frontwave Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $340K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $42K
Loan Loss Information - YTD Charge Offs - All Other (Non-Commercial) Real Estate Loans/Lines of Credit CH0021 $52K
Loan Loss Information - YTD Recoveries - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property CH0030 $263
Loan Loss Information - YTD Recoveries - Commercial Loans/Lines of Credit - Commercial and Industrial Loans CH0036 $3K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $125.5M
Unsecured Credit Card Loans DL0002 $320K
All Other Unsecured Loans/Lines of Credit DL0022 $108K
All Other Unsecured Loans/Lines of Credit DL0023 $37K
All Other Unsecured Loans/Lines of Credit DL0024 $149K
All Other Unsecured Loans/Lines of Credit DL0027 $187K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $72
New Vehicle Loans DL0030 $56K
Used Vehicle Loans DL0037 $245K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $134K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $11K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $110K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $121K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $8
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $909K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $318K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $3.3M
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $11K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $1
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $3.6M
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $10
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $99K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $250K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $110K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $360K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $2
Dollar Amount of Reportable Delinquency - 90 - 179 Days Delinquent - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0101 $316K
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0104 $316K
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0105 $1
Dollar Amount of Reportable Delinquency - 30 - 59 Days Delinquent - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0106 $919K
Dollar Amount of Reportable Delinquency - 60 - 89 Days Delinquent - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0107 $3.4M
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0111 $3.4M
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0112 $2
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $4.6M
Amount of Consumer Loans in Non-Accrual Status DL0145 $5.1M
Amount of Commercial Loans in Non-Accrual Status DL0146 $853K
Interest Rate Derivative Futures Total Notional Amount DT0007 32,000,000.00%
Interest Rate Derivative Futures Net Fair Value Gain (Loss) DT0008 -172,656.00%
Number of Indirect Loans - New and Used Vehicle Loans IN0001 3,245
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $60.2M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $37.7M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $67.8M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Unsecured LQ0016 $188.7M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $294.2M
NCUA data file FS220Q (50 items)

investment portfolio detail (69%)

Frontwave Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Off-Balance Sheet Exposures - All other off-balance sheet exposures not specifically listed, but meet the definition of Commitments LQ0030 $66K
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Corporate Credit Unions LQ0035 $164.4M
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $428.9M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $816.8M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - FRB LQ0047 $111.0M
Total Borrowings LQ0860 $159.0M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $120.8M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $112.6M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $54.7M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $52.5M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $175.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $165.1M
Available-for-sale Amortized Cost - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Privately Issued Residential Mortgage Related Securities NV0039 $6.5M
Available-for-sale Fair Value - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Privately Issued Residential Mortgage Related Securities NV0040 $6.5M
Available-for-sale Amortized Cost - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Other Asset-Backed Securities NV0047 $4.5M
Available-for-sale Fair Value - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Other Asset-Backed Securities NV0048 $4.5M
Available-for-sale Amortized Cost - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Total NV0051 $11.0M
Available-for-sale Fair Value - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Total NV0052 $11.0M
Available-for-sale Amortized Cost - Non-Federal Agency Asset-Backed Securities - Subordinated Tranches - Other Asset-Backed Securities NV0063 $2.1M
Available-for-sale Fair Value - Non-Federal Agency Asset-Backed Securities - Subordinated Tranches - Other Asset-Backed Securities NV0064 $2.1M
Available-for-sale Amortized Cost - Non-Federal Agency Asset-Backed Securities - Subordinated Tranches - Total NV0067 $2.1M
Available-for-sale Fair Value - Non-Federal Agency Asset-Backed Securities - Subordinated Tranches - Total NV0068 $2.1M
Available-for-sale Amortized Cost - Securities Issued by States and Political Subdivisions in the U.S. NV0071 $44.8M
Available-for-sale Fair Value - Securities Issued by States and Political Subdivisions in the U.S. NV0072 $42.1M
Available-for-sale Amortized Cost - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0079 $3.7M
Available-for-sale Fair Value - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0080 $3.5M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $237.1M
Total Fair Value Available-for-Sale Debt Securities NV0084 $223.9M
Trading Investments - Equity Securities - Common Stock NV0106 $7.9M
Trading Investments - Equity Securities - Registered Investment Companies NV0107 $547K
Trading Investments - Equity Securities - Other Equities NV0108 $2.5M
Trading Investments - Equity Securities - Total Equity Securities NV0109 $10.9M
Total Trading Debt and Equity Securities NV0110 $10.9M
Investment Maturity Distribution - Equity Securities - Total NV0122 $10.9M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $223.9M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $9.8M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $9.8M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $43.0M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $70.9M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $70.4M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $41.7M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $18.4M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $244.5M
RBC Total Equity RB0001 $159.1M
RBC Allowance for Credit Losses RB0002 $12.6M
RBC Total Additions RB0005 $12.6M
RBC Total Deductions RB0009 $31.3M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $140.4M
RBC Risk-Based Capital Numerator RB0012 $140.4M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Commercial Loans excluding Construction & Development SL0049 $8.6M
NCUA data file FS220R (61 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Frontwave Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $96.8M
CCULR Election to opt into the Complex Credit Union Leverage Ratio LR0001 1.00%
CCULR Off-Balance sheet exposures LR0002 $294.2M
CCULR Off-Balance sheet exposures ratio LR0003 1,688.00%
CCULR Goodwill and Other Intangible Assets LR0006 $18.9M
CCULR Goodwill and Other Intangible Assets Ratio LR0007 108.00%
RBC Schedule Total Investments RB0039 $244.5M
RBC Schedule Total Consumer Loans RB0060 $259.6M
RBC Schedule Total Commercial Loans RB0068 $383.4M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $12.6M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $12.6M
RBC Schedule Total Loans RB0079 $1.20B
RBC Total for Risk Weighting Total Loans RB0081 -$12.6M
RBC Total Loans 0% Weight RB0082 -$12.6M
RBC Schedule Total Other Assets RB0088 $194.3M
RBC Total for Risk Weighting Other Assets RB0090 $31.3M
RBC Other Assets 0% Weight RB0091 $31.3M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $1.74B
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $18.7M
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $18.7M
RBC All other off-balance sheet exposures RB0133 $66K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $1.74B
RBC Allowance for Credit Losses (Loans) RB0177 $12.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 796.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 292,702,689.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 4,326,546.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 359.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 50,309,454.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 1,654,823.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $38
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $18.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0009 $5.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $6
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $1.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 186.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 110,785,148.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 8,855,100.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $473.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $20.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 498.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 34,930,542.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 4,514,491.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 1,188.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 61,453,069.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 6,163,965.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $96.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $10.7M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $3K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $570.1M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $31.0M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $207.9M
Total Shares SH0013 $1.37B
Total Shares and Deposits SH0018 $1.42B
Total Non-Member Deposits SH0880 $50.5M
Number of Outstanding Loans Purchased from Other Sources SL0020 728
Amount of Outstanding Loans Purchased from Other Sources SL0021 $27.9M
Number of Loans Sold, Year-to-date SL0022 11
Amount of Loans Sold, Year-to-date SL0023 $2.5M
Number of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0028 11
Amount of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0029 $2.5M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 71
NCUA data file FS220S (6 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Frontwave Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Person-to-Person payments PP0045 $1
Communication PP0047 $1
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1
Originated closed-end mortgages in each of the two preceding calendar years or originated open-end lines of credit in each of the two preceding calendar years in excess of the HMDA Loan-Volume Threshold? PR0003 $1

Frontwave Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Frontwave Credit Union call report?

The Frontwave Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Frontwave Credit Union file?

Frontwave Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Frontwave Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Frontwave Credit Union is 68494.

How often does Frontwave Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Frontwave Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.