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Filing year 2024

FRONTWAVE CREDIT UNION

Oceanside, California·EIN 95-1820763·14
Total revenue
$93.3M
Total assets
$1.4B
Total expenses
$86.1M
Reported officers
22
Mission

FRONTWAVE CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, FRONTWAVE CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.

Executive compensation, broken down

Form 990 · Schedule J · 13 reported individuals · Filing year 2024

$411k
$442k
Base
$324k
Bonus
$28k
Other
$22k
Benefits
$21k
Chief Experience Officer
officer (unspecified)
$342k
$368k
Base
$279k
Bonus
$27k
Other
$8k
Benefits
$13k
Chief Human Resources Offi
officer (unspecified)
$341k
$366k
Base
$248k
Bonus
$27k
Other
$19k
Benefits
$32k
Chief Lending Officer
officer (unspecified)
$332k
$357k
Base
$246k
Bonus
$27k
Other
$14k
Benefits
$33k
Chief Financial Officer
$316k
$340k
Base
$247k
Bonus
$18k
Other
$8k
Benefits
$29k
Chief Risk Officer
officer (unspecified)
$292k
$314k
Base
$239k
Bonus
$10k
Other
$9k
Benefits
$21k
VP of Process Excellence
vice president
$241k
$259k
Base
$188k
Bonus
$12k
Other
$945
Benefits
$32k
VP of Business Banking
vice president
$228k
$246k
Base
$170k
Bonus
$12k
Other
$8k
Benefits
$31k
Vice President, Information Technology
vice president
$227k
$244k
Base
$170k
Bonus
$10k
Other
$6k
Benefits
$32k
VP of Real Estate Lending
vice president
$221k
$238k
Base
$186k
Bonus
$12k
Other
$591
Benefits
$13k
Vice President of Member Experience
vice president
$215k
$231k
Base
$171k
Bonus
$12k
Other
$985
Benefits
$22k
Chief Information Officer
chief information officer
$199k
$214k
Base
$176k
Bonus
$10k
Other
$959
Benefits
$2k
Chief Information Officer (until 1/12/24)
chief information officer
$69k
$75k

Teal figures restate each filed amount in 2026 dollars.

Estimated with San Diego-Carlsbad, CA metro-area CPI-U, restating filed pay into May 2026 dollars. A restatement of past pay, not current or projected pay.

Plus 9 unpaid individuals.

Down 6%
from 2023

From $439k in 2023 to $411k in 2024.

$439k
2023
$411k
2024
In today's dollarsEst.
Down 9% in real terms$487k to $442k

Estimated with San Diego-Carlsbad, CA metro-area CPI-U, restating filed pay into May 2026 dollars. A restatement of past pay, not current or projected pay.

Highest reported compensation in each year. Volunteer board members and partial-year payouts are filtered out.
Financial trend

Revenue and expenses over time

FRONTWAVE CREDIT UNION reported revenue and expenses across 2 filing years.

RevenueExpenses
$81.7M
$77.5M
2023
$93.3M
$86.1M
2024
Total revenue and total expenses from IRS Form 990 filings.
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