Compared with California
2 of 14
compared fees are above the median.
11 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
92nd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 14 compared; 11 below, 1 about the same
See the feesFee schedule read Oct 27, 2026
Call-report figures are for Frontwave Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 452 credit unions with $1B to $10B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Frontwave Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 27, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 13% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (92nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $3.6M in Q2 2026, 29% above the same quarter a year earlier ($2.8M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 14 compared published fees sit above the California median; 11 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with California medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 16% from Q3 2025 to Q2 2026, to $3.6M. Its share of revenue, 13%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$3.6M
Frontwave Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Frontwave Federal Credit Union · $1.7B in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Frontwave Federal Credit Union(this institution) | Oceanside, CA | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union 1 | Anchorage, AK | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Credit Union of America | Wichita, KS | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Datcu Federal Credit Union | Denton, TX | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Educational Federal Credit Union | Miami, FL | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fibre Federal Credit Union | Longview, WA | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Financial Plus Federal Credit Union | Flint, MI | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Firstlight Federal Credit Union | El Paso, TX | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Greater Nevada Federal Credit Union | Carson City, NV | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greylock Federal Credit Union | Pittsfield, MA | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kemba Federal Credit Union | West Chester, OH | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Marion And Polk Schools Federal Credit Union | Salem, OR | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Merck Employees Federal Credit Union | Rahway, NJ | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mid-Hudson Valley Federal Credit Union | Kingston, NY | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Northrop Grumman Federal Credit Union | Gardena, CA | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Publix Employees Federal Credit Union | Lakeland, FL | $1.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Francisco Federal Credit Union | San Francisco, CA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Francisco Fire Federal Credit Union | San Francisco, CA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Scott Federal Credit Union | Edwardsville, IL | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skyla Federal Credit Union | Charlotte, NC | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| St. Mary'S Bank Federal Credit Union | Manchester, NH | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truwest Federal Credit Union | Scottsdale, AZ | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Heritage Federal Credit Union | Austin, TX | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Unitus Community Federal Credit Union | Tigard, OR | $1.8B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| University Of Kentucky Federal Credit Union | Lexington, KY | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University of Va Community Credit Union | Charlottesville, VA | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6 among 14 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
Frontwave Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Frontwave Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $3.6M | +$76K | +2.1% |
| Q1 2026 | $3.6M | −$709K | −16.6% |
| Q4 2025 | $4.3M | +$1.1M | +36.2% |
| Q3 2025 | $3.1M | +$306K | +10.8% |
| Q2 2025 | $2.8M | −$33K | −1.2% |
| Q1 2025 | $2.9M | −$153K | −5.1% |
| Q4 2024 | $3.0M | +$33K | +1.1% |
| Q3 2024 | $3.0M | +$266K | +9.8% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Frontwave Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Frontwave Federal Credit Union by share.
Amounts from Frontwave Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per day
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Paper Statement Fee: (Everyday Checking Only) (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Courtesy Pay: Not Applicable | $14Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned Item: - Nonsufficient Funds (NSF) Fee | $14Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection Transfer: (from savings) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Transactions: Non CO-OP (audience not stated, treated as personal) | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement: Not Applicable (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Card Delivery: Not Applicable (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| International Service Assessment (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
| International Service Assessment | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer: Not Applicable | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s check (with Indemnification Agreement) | $25Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier's Check: More than one per day (audience not stated, treated as personal) | $3Not compared: Daily charge, not per item | per day | None |
| Stop Payment: - ACH or check | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Copy: (per item) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Compliance with Legal Orders: Not Applicable (audience not stated, treated as personal) | $75Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy: (per statement) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Returned Loan Payment | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-a-Payment: Not Applicable | $45Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 27, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Frontwave Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
18 offices in 1 state (June 30, 2026)
Each dot is one office.
15 of 18 offices on the map. 3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Camp Pendleton, CA | 3 |
| Oceanside, CA | 2 |
| Barstow, CA | 1 |
| Borrego Springs, CA | 1 |
| Brawley, CA | 1 |
| El Centro, CA | 1 |
| Escondido, CA | 1 |
| Indio, CA | 1 |
Largest competitors nearby
Local market: San Diego county, CA, around its headquarters.
| 55 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 20.2% |
| Axos Bank | 17.1% |
| Wells Fargo Bank, National Association | 15.5% |
| Bank of America, National Association | 11.7% |
| U.S. Bank National Association | 8.6% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.