Civic Intelligence

Pacific Marine Credit Union

990 • Fiscal year 2019 • EIN 95-1820763

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 28, 2020

Organization ProfileWWW.FRONTWAVECU.COM

View Organization Page

1278 Rocky Point DriveOceanside, CA 92056

(760) 631-8767

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

28th percentile

0.87x

Higher debt load relative to assets than 28% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

27th percentile

14.33x

Higher debt load relative to revenue than 27% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

1st percentile

-4.5%

Higher net margin than 1% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

62nd percentile

$478,756

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

54th percentile

7.1%

Faster asset growth than 54% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

21st percentile

5.1%

Faster revenue growth than 21% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets28th percentile

Assets

Up

$877,279,449

Up $58,501,689 (+7.1%) from 2018

Net Assets

Up

$113,830,072

Up $2,846,996 (+2.6%) from 2018

Liabilities

Up

$763,449,377

Up $55,654,693 (+7.9%) from 2018

Revenue And Expenses
Liabilities / Revenue27th percentileNet Margin1st percentile

Revenue

Up

$53,287,865

Up $2,603,450 (+5.1%) from 2018

Expenses

Up

$55,659,320

Up $8,928,354 (+19%) from 2018

Net Income

Down

-$2,371,455

Down $6,324,904 (-160%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth54th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$1.5B$1.0B$500M$0Assets 2010: $588,209,154Liabilities 2010: $505,307,896Net Assets 2010: $82,901,2582010Assets 2011: $612,012,050Liabilities 2011: $525,414,573Net Assets 2011: $86,597,4772011Assets 2012: $675,742,678Liabilities 2012: $584,260,378Net Assets 2012: $91,482,3002012Assets 2013: $685,528,979Liabilities 2013: $589,946,068Net Assets 2013: $95,582,9112013Assets 2014: $691,989,703Liabilities 2014: $592,334,961Net Assets 2014: $99,654,7422014Assets 2015: $731,196,801Liabilities 2015: $628,117,986Net Assets 2015: $103,078,8152015Assets 2016: $756,221,835Liabilities 2016: $650,531,465Net Assets 2016: $105,690,3702016Assets 2017: $806,163,272Liabilities 2017: $697,500,220Net Assets 2017: $108,663,0522017Assets 2018: $818,777,760Liabilities 2018: $707,794,684Net Assets 2018: $110,983,0762018Assets 2019: $877,279,449Liabilities 2019: $763,449,377Net Assets 2019: $113,830,0722019Assets 2020: $1,079,448,307Liabilities 2020: $958,478,051Net Assets 2020: $120,970,2562020Assets 2021: $1,175,731,855Liabilities 2021: $1,054,154,147Net Assets 2021: $121,577,7082021Assets 2022: $1,358,956,009Liabilities 2022: $1,273,198,596Net Assets 2022: $85,757,4132022Assets 2023: $1,429,880,746Liabilities 2023: $1,332,023,409Net Assets 2023: $97,857,3372023Assets 2024: $1,408,445,733Liabilities 2024: $1,297,085,017Net Assets 2024: $111,360,7162024

Highlighted filing

2019

Assets$877,279,449
Liabilities$763,449,377
Net Assets$113,830,072
Open 2019 Filing

Operations Trend

Revenue Growth21st percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$100M$50M$0-$50MExpenses 2010: $32,561,0032010Expenses 2011: $33,716,8822011Expenses 2012: $33,101,5232012Revenue 2013: $38,057,489Expenses 2013: $33,941,428Net Income 2013: $4,116,0612013Revenue 2014: $36,963,311Expenses 2014: $32,867,200Net Income 2014: $4,096,1112014Revenue 2015: $38,719,897Expenses 2015: $34,173,580Net Income 2015: $4,546,3172015Revenue 2016: $42,280,528Expenses 2016: $37,602,501Net Income 2016: $4,678,0272016Revenue 2017: $46,160,561Expenses 2017: $43,514,452Net Income 2017: $2,646,1092017Revenue 2018: $50,684,415Expenses 2018: $46,730,966Net Income 2018: $3,953,4492018Revenue 2019: $53,287,865Expenses 2019: $55,659,320Net Income 2019: -$2,371,4552019Revenue 2020: $55,457,162Expenses 2020: $51,514,512Net Income 2020: $3,942,6502020Revenue 2021: $59,046,912Expenses 2021: $50,684,629Net Income 2021: $8,362,2832021Revenue 2022: $64,162,592Expenses 2022: $58,586,804Net Income 2022: $5,575,7882022Revenue 2023: $81,717,886Expenses 2023: $77,477,619Net Income 2023: $4,240,2672023Revenue 2024: $93,343,572Expenses 2024: $86,086,523Net Income 2024: $7,257,0492024

Highlighted filing

2019

Revenue$53,287,865
Expenses$55,659,320
Net Income-$2,371,455
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 28, 2020
Return Version
2019v5.1
Gross Receipts
$56,309,969
Mission and Program Overview

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.

A cooperative, organized for the purpose of promoting thrift and savings among its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$164,618,015$617,491,475▲ $452,873,460
Receivable From Disqualified Prsn$549,707,150--
Investments in Publicly Traded Securities-$154,304,859-
Rtn Earn Endowment Incm Other Fnds$110,983,076$113,830,072▲ $2,846,996
Savings and Temporary Cash Investments$37,384,205$40,224,926▲ $2,840,721
Land, Buildings, and Equipment, Net$28,709,472$31,709,549▲ $3,000,077
Cash and Non-Interest-Bearing Accounts$19,052,175$17,773,356▼ $1,278,819
Accounts Receivable$4,339,471$0▼ $4,339,471
Receivables From Officers Etc$1,747,528$2,258,853▲ $511,325
Prepaid Expenses and Deferred Charges$3,464,336$2,062,156▼ $1,402,180
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$818,777,760$877,279,449▲ $58,501,689
Other Assets Total$9,755,408$11,454,275▲ $1,698,867
Liabilities
Other Liabilities$696,521,851$750,225,827▲ $53,703,976
Accounts Payable and Accrued Expenses$9,947,368$11,336,836▲ $1,389,468
Deferred Revenue$1,325,465$1,886,714▲ $561,249
Total Liabilities$707,794,684$763,449,377▲ $55,654,693
Net Assets / Fund Balance
Total Net Assets Fund Balance$110,983,076$113,830,072▲ $2,846,996
Total Liabilities and Net Assets / Fund Balance$818,777,760$877,279,449▲ $58,501,689

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,934,193$16,695,048$22,629,241
Buildings$15,206,058$4,372,929$19,578,987
Land$7,376,773-$7,376,773
Leasehold Improvements$3,192,525$2,581,902$5,774,427
Investment Program Related Org$7,079,959--
Compensation and Service Providers
Top Officer Pay62nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brad Smith FormerEvp/CSOFT$196,984$281,772$478,756
William BirniePresident and CEOFT$302,369$142,108$444,477
Jim Dages FormerSpv/CLOFT$286,001$71,778$357,779
Sarai RodgersSVP/chroFT$206,113$75,780$281,893
Randi BrookeSVP/COOFT$225,645$54,998$280,643
Todd KernSVP/CMOFT$198,397$61,957$260,354
Carrie FosterSpv/CFOFT$205,499$52,106$257,605
Ward WellsSpv/CIOFT$218,037$35,242$253,279
Wendy RodriguezDirector of Branch Operations Region 1FT$151,212$26,167$177,379
Wendy RodriguezDirector of Branch Operations Region-$143,885$33,494$177,379
Shilpa EdlabadkarDirector of Finance and AccountingFT$133,830$38,555$172,385
Toby FinneganDirector of Information TechnologyFT$132,646$36,907$169,553
Jennifer TopzandDirector of MarketingFT$132,703$35,894$168,597
Jeff ForsgrenDirector of Real EstateFT$126,196$26,312$152,508
Kathy SpeliopoulosDirector of Branch Operations Region 2FT$136,409$16,032$152,441
Kathy SpeliopoulosDirector of Branch Operations Region-$130,099$22,342$152,441
Brian SuttonDirector-$1,356-$1,356
Kit GardnerSpve Cmte Member-$1,061-$1,061

Board Members and Trustees

NameTitle
Richard RothwellChairman
William ShuteSpve Cmte Chairman
Michael BrigaglianoVice Chairman
George HoaglandDirector
Gerald PolyasckoDirector
Kelley MayerDirector
Marlon RamosDirector
James CothranSecretary
Hema CrockettSpve Cmte Member
Robert RossSpve Cmte Member
Vicente HinojosaSpve Cmte Member
Gary GrevingTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
No Limit Commercial MaintenanceJanitorial Services And Supplies4855 SEASCAPE DRIVE, Oceanside, CA 92057$158,760
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$47,747,683
Investment Income
$5,497,412
Other Revenue
$42,770
Change in Net Assets
$-2,371,455
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$36,572,703
Salaries, Compensation, and Employee Benefits$18,958,457
Grants and Similar Amounts Paid$128,160
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$12,260,960
Other Expenses---$4,266,480
Advertising---$3,904,957
Interest---$3,872,500
Current Officers, Directors, Trustees, and Key Employees---$3,194,102
Depreciation Depletion---$2,353,352
Occupancy---$2,042,817
Other Employee Benefits---$1,785,419
Fees for Services Other---$1,396,686
Payroll Taxes---$1,197,800
Office Expenses---$813,362
Information Technology---$611,259
Pension Plan Contributions---$520,176
Travel---$373,467
Fees for Services Management---$317,648
Fees for Services Accounting---$191,767
Insurance---$178,369
Grants to Domestic Orgs---$128,160
All Other Expenses---$100,506
Fees for Services Legal---$78,177
Fees for Service Investment Mgmnt Fees---$58,330
Total Functional Expenses$0$0$0$55,659,320
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Moonlight Cultural FoundationVista, CA501(c)(3)To Support Local Community, Active Duty Military and Supporters$30,500
Armed Services Ymca at Camp PendletonCamp Pendleton, CA501(c)(3)Sponsorship for Various Events Hosted by the Ymca$26,160
RADY CHILDREN'S HOSPITAL FOUNDATIONSan Diego, CA501(c)(3)TO BE RESPONSIBLE FOR DEVELOPING, ACCEPTING AND RECOGNIZING PHILANTHROPY IN SUPPORT OF RADY CHILDREN'S HOSPITAL- SAN DIEGO AND ITS SUBSIDIARY CORPORATIONS$15,000
Spectrum Sports ManagementClaremont, CA501(c)(3)Title Sponsorship of Bike the Coast Event$15,000
Asa Entertainment Group LLCIndialantic, FL-Title Sponsorship of the Supergirl Surf Pro Event$10,000
CA Center for the Arts EscondidoEscondido, CA501(c)(3)Sponsorship of Summer Concert Series, and 4th of July Event$10,000
Oceanside Museum of ArtOceanside, CA-Title Sponsorship of Art After Dark Event, and Blue Star Museum Sponsorship$10,000
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$11,500
Total Exempt Function Spending$11,500

Section 527 Organizations

OrganizationLocationAmount
94-0357265Ontario, CA$5,000
95-2642719N Arlington, VA$5,000
74-3032876San Diego, CA$1,500
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons$549,707,150--
Receivables from Officers, Directors, Trustees, and Key Employees$1,747,528$2,258,853▲ $511,325
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$750,225,827
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Frontwave credit union is a cooperative financial institution that is owned and controlled by its members, and operated for the purpose of promoting thrift and savings to its members. Frontwave credit union does not have stockholders.”

Form 990, Part VI, Section A, Line 7A

“The governing board of frontwave credit union is comprised of volunteer members who are directly elected by its members. Each member of the governing board serves for a period as prescribed by its by-laws.”

Form 990, Part VI, Section A, Line 7B

“At the end of each term of the board members, elections are held and board members are voted by the members of the credit union pursuant to its by-laws. Member votes are also required to ratify decisions dealing with reorganizations as in the case of merger or dissolution.”

Form 990, Part VI, Section B, Line 11B

“Form 990 is reviewed by the cfo prior to filing.”

Form 990, Part VI, Section B, Line 12C

“The organization has an internal audit and compliance department which monitors policies and procedures.”

Form 990, Part VI, Section B, Line 15

“The board of directors has a compensation committee that reviews and sets the ceo's salary. The hr department and the ceo review market compensation reports to determine salaries for the organization's other officers and key employees.”

Form 990, Part VI, Section C, Line 19

“Financial statements are available on the organization's website, and other governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Frontwave Credit Union
EIN
95-1820763
Phone
7606318767
Address
1278 ROCKY POINT DRIVE, OCEANSIDE, CA 92056

Signing Officer

Name
Carrie Foster
Title
CFO
Phone
7606318767
Signed
2020-10-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Carrie Foster
Formed
1952
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
416
Volunteers
14

Preparer

Firm
Turner Warren Hwang & Conrad Acctcy
Address
100 NORTH FIRST ST STE 202, BURBANK, CA 91502
Preparer
Valentino Creus CPA
Phone
8189549700
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Audit adjustments -168,800.”

FORM 990, PART XII, LINE 2C:

“The organization has not changed either its oversight process or its selection process during the tax year.”

Financial Statement Notes

PART X, LINE 2:

“Fasb asc 740-10-65, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the consolidated financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax positions are "more likely than not" of being sustained "when challenged or "when examined" by the applicable tax authority. Tax positions deemed to not meet the more-likely-than-not threshold should be recorded as a tax expense and liability in the current year. As of december 31, 2019, management has determined that there are no material uncertain tax positions.”

Raw XML AppendixShowing 400 of 1,063 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt14111493
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1517389
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1630026
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1728055
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1821275
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt191519
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2032068
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2118245
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2226167
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2328615
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2429625
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2532463
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2616032
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2722992
IRS990/Form990PartVIISectionAGrp/PersonNm0RICHARD ROTHWELL
IRS990/Form990PartVIISectionAGrp/PersonNm1MICHAEL BRIGAGLIANO
IRS990/Form990PartVIISectionAGrp/PersonNm2JAMES COTHRAN
IRS990/Form990PartVIISectionAGrp/PersonNm3GARY GREVING
IRS990/Form990PartVIISectionAGrp/PersonNm4GEORGE HOAGLAND
IRS990/Form990PartVIISectionAGrp/PersonNm5KELLEY MAYER
IRS990/Form990PartVIISectionAGrp/PersonNm6GERALD POLYASCKO
IRS990/Form990PartVIISectionAGrp/PersonNm7MARLON RAMOS
IRS990/Form990PartVIISectionAGrp/PersonNm8BRIAN SUTTON
IRS990/Form990PartVIISectionAGrp/PersonNm9WILLIAM SHUTE
IRS990/Form990PartVIISectionAGrp/PersonNm10KIT GARDNER
IRS990/Form990PartVIISectionAGrp/PersonNm11ROBERT ROSS
IRS990/Form990PartVIISectionAGrp/PersonNm12HEMA CROCKETT
IRS990/Form990PartVIISectionAGrp/PersonNm13VICENTE HINOJOSA
IRS990/Form990PartVIISectionAGrp/PersonNm14WILLIAM BIRNIE
IRS990/Form990PartVIISectionAGrp/PersonNm15CARRIE FOSTER
IRS990/Form990PartVIISectionAGrp/PersonNm16BRAD SMITH FORMER
IRS990/Form990PartVIISectionAGrp/PersonNm17JIM DAGES FORMER
IRS990/Form990PartVIISectionAGrp/PersonNm18RANDI BROOKE
IRS990/Form990PartVIISectionAGrp/PersonNm19WARD WELLS
IRS990/Form990PartVIISectionAGrp/PersonNm20SARAI RODGERS
IRS990/Form990PartVIISectionAGrp/PersonNm21TODD KERN
IRS990/Form990PartVIISectionAGrp/PersonNm22WENDY RODRIGUEZ
IRS990/Form990PartVIISectionAGrp/PersonNm23JENNIFER TOPZAND
IRS990/Form990PartVIISectionAGrp/PersonNm24TOBY FINNEGAN
IRS990/Form990PartVIISectionAGrp/PersonNm25SHILPA EDLABADKAR
IRS990/Form990PartVIISectionAGrp/PersonNm26KATHY SPELIOPOULOS
IRS990/Form990PartVIISectionAGrp/PersonNm27JEFF FORSGREN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt81356
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14332984
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15240216
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16448730
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17329724
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18259368
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19251760
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20249825
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21242109
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22151212
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23139982
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt24139928
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt25139922
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt26136409
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt27129516
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt260
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt270
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9SPVE CMTE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt10SPVE CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11SPVE CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SPVE CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13SPVE CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt15SPV/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt16EVP/CSO
IRS990/Form990PartVIISectionAGrp/TitleTxt17SPV/CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt19SPV/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP/CHRO
IRS990/Form990PartVIISectionAGrp/TitleTxt21SVP/CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR OF BRANCH OPERATIONS REGION 1
IRS990/Form990PartVIISectionAGrp/TitleTxt23DIRECTOR OF MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR OF INFORMATION TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt25DIRECTOR OF FINANCE AND ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt26DIRECTOR OF BRANCH OPERATIONS REGION 2
IRS990/Form990PartVIISectionAGrp/TitleTxt27DIRECTOR OF REAL ESTATE
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt03896
IRS990/GainOrLossGrp/SecuritiesAmt077490
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0128160
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt026000
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt03077490
IRS990/GrossReceiptsAmt056309969
IRS990/GrossRentsGrp/RealAmt026098
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt023
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0611259
IRS990/InsuranceGrp/TotalAmt0178369
IRS990/InterestGrp/TotalAmt03872500
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt05416026
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt05416026
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0164618015
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0617491475
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0154304859
IRS990/IRPDocumentCnt013940
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt023649879
IRS990/LandBldgEquipBasisNetGrp/BOYAmt028709472
IRS990/LandBldgEquipBasisNetGrp/EOYAmt031709549
IRS990/LandBldgEquipCostOrOtherBssAmt055359428
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt022104
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt03000000
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0FRONTWAVE 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0110983076
IRS990/NetAssetsOrFundBalancesEOYAmt0113830072
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt081386
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt081386
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt026098
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt026098
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt05387251
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02042817
IRS990/OfficeExpensesGrp/TotalAmt0813362
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09755408
IRS990/OtherAssetsTotalGrp/EOYAmt011454275
IRS990/OtherChangesInNetAssetsAmt0-168800
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01785419
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc1PROVISIONS FOR LOAN LOS
IRS990/OtherExpensesGrp/Desc2CARD PROCESSING EXPENSE
IRS990/OtherExpensesGrp/Desc3MISC. OPERATING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt06075886
IRS990/OtherExpensesGrp/TotalAmt15382508
IRS990/OtherExpensesGrp/TotalAmt24554632
IRS990/OtherExpensesGrp/TotalAmt34266480
IRS990/OtherLiabilitiesGrp/BOYAmt0696521851
IRS990/OtherLiabilitiesGrp/EOYAmt0750225827
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER NON-OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt016672
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt016672
IRS990/OtherRevenueTotalAmt016672
IRS990/OtherSalariesAndWagesGrp/TotalAmt012260960
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01197800
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0520176
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt03464336
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02062156
IRS990/PrincipalOfficerNm0CARRIE FOSTER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt026135460
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt111026568
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt210168977
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt026135460
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt111149468
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt210462755
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0122900
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1293778
IRS990/ProgSrvcAccomActy2Grp/Desc0FRONTWAVE CREDIT UNION USES CUTTING-EDGE TECHNOLOGY BY PROVIDING ITS MEMBERS WITH DIGITAL BANKING. THE MEMBERS CAN USE THE ONLINE AND MOBILE BANKING TOOLS TO MANAGE THEIR ACCOUNTS 24/7.
IRS990/ProhibitedTaxShelterTransInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$877,279,449
Liabilities
$763,449,377
Net assets
$113,830,072
Revenue
$53,287,865
Expenses
$55,659,320
Net income
-$2,371,455
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,408$1,297$111$93.3$86.1$7.26
2023Summary only. Only limited summary data is available for this year.$1,430$1,332$97.9$81.7$77.5$4.24
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,359$1,273$85.8$64.2$58.6$5.58
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,176$1,054$122$59.0$50.7$8.36
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,079$958$121$55.5$51.5$3.94
2019Detailed filing. Detailed filing data is available for this year.$877$763$114$53.3$55.7$2.37
2018Summary only. Only limited summary data is available for this year.$819$708$111$50.7$46.7$3.95
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$806$698$109$46.2$43.5$2.65
2016Summary only. Only limited summary data is available for this year.$756$651$106$42.3$37.6$4.68
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$731$628$103$38.7$34.2$4.55
2014Detailed filing. Detailed filing data is available for this year.$692$592$99.7$37.0$32.9$4.10
2013Detailed filing. Detailed filing data is available for this year.$686$590$95.6$38.1$33.9$4.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$676$584$91.5$33.1
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$612$525$86.6$33.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$588$505$82.9$32.6