Civic Intelligence

Pacific Marine Credit Union

990 • Fiscal year 2020 • EIN 95-1820763

Jan 01, 2020 to Dec 31, 2020 • Filed on Sep 29, 2021

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

29th percentile

0.89x

Higher debt load relative to assets than 29% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Liabilities / Revenue

18th percentile

17.28x

Higher debt load relative to revenue than 18% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Net Margin

15th percentile

7.1%

Higher net margin than 15% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Top Officer Pay

5th percentile

$427,683

Higher top officer pay than 5% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Asset Growth

75th percentile

23%

Faster asset growth than 75% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2019 to 2020

Revenue Growth

61st percentile

4.1%

Faster revenue growth than 61% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets29th percentile

Assets

Up

$1,079,448,307

Up $202,168,858 (+23%) from 2019

Net Assets

Up

$120,970,256

Up $7,140,184 (+6.3%) from 2019

Liabilities

Up

$958,478,051

Up $195,028,674 (+26%) from 2019

Revenue And Expenses
Liabilities / Revenue18th percentileNet Margin15th percentile

Revenue

Up

$55,457,162

Up $2,169,297 (+4.1%) from 2019

Expenses

Down

$51,514,512

Down $4,144,808 (-7.4%) from 2019

Net Income

Up

$3,942,650

Up $6,314,105 (+266%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth75th 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

2020

Assets$1,079,448,307
Liabilities$958,478,051
Net Assets$120,970,256
Open 2020 Filing

Operations Trend

Revenue Growth61st 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

2020

Revenue$55,457,162
Expenses$51,514,512
Net Income$3,942,650
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Sep 29, 2021
Return Version
2020v4.1
Gross Receipts
$78,841,108
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$617,491,475$650,153,628▲ $32,662,153
Investments in Publicly Traded Securities$154,304,859$258,978,905▲ $104,674,046
Rtn Earn Endowment Incm Other Fnds$113,830,072$120,970,256▲ $7,140,184
Savings and Temporary Cash Investments$40,224,926$81,833,295▲ $41,608,369
Land, Buildings, and Equipment, Net$31,709,549$29,373,968▼ $2,335,581
Cash and Non-Interest-Bearing Accounts$17,773,356$18,624,894▲ $851,538
Receivables From Officers Etc$2,258,853$3,295,744▲ $1,036,891
Prepaid Expenses and Deferred Charges$2,062,156$2,181,067▲ $118,911
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$877,279,449$1,079,448,307▲ $202,168,858
Other Assets Total$11,454,275$35,006,806▲ $23,552,531
Liabilities
Other Liabilities$750,225,827$941,335,807▲ $191,109,980
Accounts Payable and Accrued Expenses$11,336,836$15,593,382▲ $4,256,546
Deferred Revenue$1,886,714$1,548,862▼ $337,852
Total Liabilities$763,449,377$958,478,051▲ $195,028,674
Net Assets / Fund Balance
Total Net Assets Fund Balance$113,830,072$120,970,256▲ $7,140,184
Total Liabilities and Net Assets / Fund Balance$877,279,449$1,079,448,307▲ $202,168,858

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$16,035,769$4,940,892$20,976,661
Equipment$3,080,750$9,900,779$12,981,529
Land$7,376,773-$7,376,773
Leasehold Improvements$2,880,676$2,572,310$5,452,986
Investment Program Related Org$8,344,104--
Compensation and Service Providers
Top Officer Pay5th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
William BirniePresident and CEOFT$301,542$126,141$427,683
Farid SanieMortgage Loan OfficerFT$50,644$244,277$294,921
Randi BrookeSVP/COOFT$220,447$47,914$268,361
Sarai RodgersSVP/chroFT$200,521$54,873$255,394
Ward WellsSVP/CIOFT$218,922$32,077$250,999
Carrie FosterSpv/CFOFT$209,856$34,336$244,192
Todd KernSVP/CMOFT$208,302$27,978$236,280
Wendy RodriguezDirector of Branch OperationsFT$143,859$32,785$176,644
Paul LeonhardtSVP/CLOFT$149,437$22,742$172,179
Shilpa EdlabadkarDirector of Finance and AccountingFT$133,150$36,541$169,691
Kathy SpeliopoulosDirector of Branch OperationsFT$132,563$31,819$164,382
Autumn RooseHome Loan ConsultantFT$139,104$23,222$162,326

Board Members and Trustees

NameTitle
Michael BrigaglianoChairman
William ShuteSpve Cmte Chairman
Brian SuttonVice Chairman
Gary GrevingDirector
George HoaglandDirector
Gerald PolyasckoDirector
Joseph MitilieriDirector
Marlon Ramos FormerDirector
Richard RothwellDirector
James CothranSecretary
Hema Crockett FormerSpve Cmte Member
Kit GardnerSpve Cmte Member
Robert RossSpve Cmte Member
Vicente HinojosaSpve Cmte Member
Kelley MayerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
No Limit Commercial MaintenanceJanitorial Services And Supplies4855 SEASCAPE DRIVE, Oceanside, CA 92057$181,987
Jamerson Janitorial INCJanitorial Services And Supplies24594 SUNNYMEAD BLVD STE I, Moreno Valley, CA 92553-3789$134,959
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$50,253,320
Investment Income
$5,158,326
Other Revenue
$45,516
Change in Net Assets
$3,942,650
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$31,277,809
Salaries, Compensation, and Employee Benefits$20,110,017
Grants and Similar Amounts Paid$126,686
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$13,624,293
Interest---$4,178,706
Current Officers, Directors, Trustees, and Key Employees---$2,497,792
Depreciation Depletion---$2,486,377
Advertising---$2,479,247
Occupancy---$2,183,528
Other Expenses---$1,873,287
Other Employee Benefits---$1,835,354
Office Expenses---$1,218,794
Payroll Taxes---$1,212,366
Fees for Services Other---$1,082,159
Pension Plan Contributions---$940,212
Information Technology---$460,901
All Other Expenses---$264,354
Insurance---$248,848
Fees for Services Management---$227,397
Travel---$188,523
Fees for Services Accounting---$155,300
Grants to Domestic Orgs---$126,686
Fees for Services Legal---$126,580
Fees for Service Investment Mgmnt Fees---$58,885
Total Functional Expenses$0$0$0$51,514,512
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Armed Services Ymca at Camp PendletonCamp Pendleton, CA501(c)(3)Cash Sponsorship for Various Events Hosted by the Ymca$20,899
Oceanside Chamber of CommerceOceanside, CA501(c)(3)General Membership and Cash Sponsorship of Community Events$20,010
Moonlight Cultural FoundationVista, CA501(c)(3)Cash Sponsorship to Support Local Community, Active Duty Military and Supporters$10,000
Oceanside Museum of ArtOceanside, CA501(c)(3)General Membership and Cash Sponsorship of Community Events$8,000
Marine Corps Association & FoundationQuantico, VA501(c)(3)Cash Sponsorship to Support Local Community, Active Duty Military and Supporters$5,770
Kinane Events IncCarlsbad, CA-Title Sponsorship for Oceanside Turkey Trot - Donated to Various Recipients$5,391
Oceanside Charitable FoundationSan Diego, CA-Cash Sponsorship to Support Non-profit Organizations in the Community$5,000
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$15,303
Total Exempt Function Spending$15,303

Section 527 Organizations

OrganizationLocationAmount
94-0357265Ontario, CA$8,803
95-2642719N Arlington, VA$5,000
74-3032876San Diego, CA$1,500
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$2,258,853$3,295,744▲ $1,036,891
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$941,335,807
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
2021-09-29
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
349
Volunteers
15

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 adjustment for asu 2016-01 -36,392.”

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, 2020, management has determined that there are no material uncertain tax positions.”

Raw XML AppendixShowing 400 of 1,046 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
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt15112701
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1618369
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt17474
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1819754
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1931622
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2016822
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2113686
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2214208
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2326310
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2416502
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2522098
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2632714
IRS990/Form990PartVIISectionAGrp/PersonNm0MICHAEL BRIGAGLIANO
IRS990/Form990PartVIISectionAGrp/PersonNm1BRIAN SUTTON
IRS990/Form990PartVIISectionAGrp/PersonNm2JAMES COTHRAN
IRS990/Form990PartVIISectionAGrp/PersonNm3KELLEY MAYER
IRS990/Form990PartVIISectionAGrp/PersonNm4GEORGE HOAGLAND
IRS990/Form990PartVIISectionAGrp/PersonNm5GARY GREVING
IRS990/Form990PartVIISectionAGrp/PersonNm6JOSEPH MITILIERI
IRS990/Form990PartVIISectionAGrp/PersonNm7GERALD POLYASCKO
IRS990/Form990PartVIISectionAGrp/PersonNm8RICHARD ROTHWELL
IRS990/Form990PartVIISectionAGrp/PersonNm9MARLON RAMOS FORMER
IRS990/Form990PartVIISectionAGrp/PersonNm10WILLIAM SHUTE
IRS990/Form990PartVIISectionAGrp/PersonNm11KIT GARDNER
IRS990/Form990PartVIISectionAGrp/PersonNm12ROBERT ROSS
IRS990/Form990PartVIISectionAGrp/PersonNm13VICENTE HINOJOSA
IRS990/Form990PartVIISectionAGrp/PersonNm14HEMA CROCKETT FORMER
IRS990/Form990PartVIISectionAGrp/PersonNm15WILLIAM BIRNIE
IRS990/Form990PartVIISectionAGrp/PersonNm16CARRIE FOSTER
IRS990/Form990PartVIISectionAGrp/PersonNm17WARD WELLS
IRS990/Form990PartVIISectionAGrp/PersonNm18RANDI BROOKE
IRS990/Form990PartVIISectionAGrp/PersonNm19SARAI RODGERS
IRS990/Form990PartVIISectionAGrp/PersonNm20TODD KERN
IRS990/Form990PartVIISectionAGrp/PersonNm21PAUL LEONHARDT
IRS990/Form990PartVIISectionAGrp/PersonNm22FARID SANIE
IRS990/Form990PartVIISectionAGrp/PersonNm23WENDY RODRIGUEZ
IRS990/Form990PartVIISectionAGrp/PersonNm24KATHY SPELIOPOULOS
IRS990/Form990PartVIISectionAGrp/PersonNm25AUTUMN ROOSE
IRS990/Form990PartVIISectionAGrp/PersonNm26SHILPA EDLABADKAR
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15314982
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16225823
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17250525
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18248607
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19223772
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20219458
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21158493
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22280713
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23150334
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt24147880
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt25140228
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt26136977
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
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/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/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10SPVE CMTE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt11SPVE CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SPVE CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13SPVE CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14SPVE CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt15PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt16SPV/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt19SVP/CHRO
IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP/CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt21SVP/CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt22MORTGAGE LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt23DIRECTOR OF BRANCH OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR OF BRANCH OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt25HOME LOAN CONSULTANT
IRS990/Form990PartVIISectionAGrp/TitleTxt26DIRECTOR OF FINANCE AND ACCOUNTING
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01952
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IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-89237
IRS990/GainOrLossGrp/SecuritiesAmt0929826
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0126686
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt011000
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt024213535
IRS990/GrossReceiptsAmt078841108
IRS990/GrossRentsGrp/RealAmt026881
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt028
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0460901
IRS990/InsuranceGrp/TotalAmt0248848
IRS990/InterestGrp/TotalAmt04178706
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt04317737
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04317737
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0617491475
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0650153628
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0154304859
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0258978905
IRS990/IRPDocumentCnt015176
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt017413981
IRS990/LandBldgEquipBasisNetGrp/BOYAmt031709549
IRS990/LandBldgEquipBasisNetGrp/EOYAmt029373968
IRS990/LandBldgEquipCostOrOtherBssAmt046787949
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0100237
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt023283709
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/NetAssetsOrFundBalancesBOYAmt0113830072
IRS990/NetAssetsOrFundBalancesEOYAmt0120970256
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0840589
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0840589
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt026881
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt026881
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt03233926
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02183528
IRS990/OfficeExpensesGrp/TotalAmt01218794
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
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IRS990/OtherAssetsTotalGrp/BOYAmt011454275
IRS990/OtherAssetsTotalGrp/EOYAmt035006806
IRS990/OtherChangesInNetAssetsAmt0-36392
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01835354
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc1PROVISIONS FOR LOAN LOS
IRS990/OtherExpensesGrp/Desc2CARD PROCESSING EXPENSE
IRS990/OtherExpensesGrp/Desc3MISC. OPERATING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt05553922
IRS990/OtherExpensesGrp/TotalAmt14393930
IRS990/OtherExpensesGrp/TotalAmt24097071
IRS990/OtherExpensesGrp/TotalAmt31873287
IRS990/OtherLiabilitiesGrp/BOYAmt0750225827
IRS990/OtherLiabilitiesGrp/EOYAmt0941335807
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER NON-OPERATING IN
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt018635
IRS990/OtherRevenueTotalAmt018635
IRS990/OtherSalariesAndWagesGrp/TotalAmt013624293
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01212366
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0940212
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02181067
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/RelatedOrExemptFuncIncomeAmt028330510
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt111746147
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt29747675
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt028330510
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt111919430
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt210003380
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0173283
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1255705
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
IRS990/PYBenefitsPaidToMembersAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,079,448,307
Liabilities
$958,478,051
Net assets
$120,970,256
Revenue
$55,457,162
Expenses
$51,514,512
Net income
$3,942,650
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
2020Detailed filing. Detailed filing data is available for this year.$1,079$958$121$55.5$51.5$3.94
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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