Frontwave Credit Union
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.
Financial Overview
From 2024 IRS Form 990-PF · View filing
Total Assets
$1.4B
-1.5% YoY
Revenue
$93.3M
+14.2% YoY
Net Investment Income
$14.0M
+72.0% YoY
Expenses
$86.1M
+11.1% YoY
About Frontwave Credit Union
Based on IRS filings
Frontwave Credit Union is a nonprofit organization, based in OCEANSIDE, CA. IRS filing data is available from 2020 through 2024. As of 2024, the organization holds $1.4B in total assets. Net investment income was $14.0M.
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Geographic Focus
Where this funder awards grants
Grant Distribution by State
States
Cities
Financial History
Multi-year comparison from IRS filings
| Metric | 2024 | 2023 | 2022 |
|---|---|---|---|
| Total Assets | $1,408,445,733 | $1,429,880,746 | $1,358,956,009 |
| Revenue | $93,343,572 | $81,717,886 | $64,162,592 |
| Expenses | $86,086,523 | $77,477,619 | $58,586,804 |
| Qualifying Distributions | — | — | — |
| Net Investment Income | $13,961,238 | $8,114,702 | $4,713,104 |
| Distributable Amount | — | — | — |
Giving Over Time
Total grant dollars and number of grants per year
Grant Insights
How this funder distributes its grants
Top Recipients
Top 0 recipients in 2024
Grant Size Distribution
7 grants across all recorded years
Giving History
Grant recipients and amounts by year
No grants recorded for 2024.
Leadership & Key People
Officers and directors from IRS filings
Compensation Overview
From 2024 IRS filing
From 2024 filing
| Name | Title | Hours | Compensation |
|---|---|---|---|
| AMANDA COOK | TREASURER | 3 | — |
| BRIAN SUTTON | CHAIRMAN | 3 | — |
| GARY GREVING | SECRETARY | 3 | — |
| GERALD POLYASCKO | DIRECTOR | 3 | — |
| MICHAEL BRIGAGLIANO | VICE CHAIRMAN | 3 | — |
| ANN REGAN | DIRECTOR | 3 | — |
| SALLY ARNETT | DIRECTOR | 3 | — |
| JOSEP MITILIERI | DIRECTOR | 3 | — |
| KELLEY MAYER | DIRECTOR | 3 | — |
| PAUL LEONHARDT | CHIEF LENDING OFFICER | 40 | $286,040 |
| SARAI RODGERS | CHIEF HUMAN RESOURCES OFFI | 40 | $293,710 |
| TODD KERN | CHIEF EXPERIENCE OFFICER | 40 | $313,269 |
| WILLIAM BIRNIE | PRESIDENT/CEO | 40 | $374,329 |
| WILLIAM WELLS | CHIEF INFORMATION OFFICER (UNTIL 1/12/24) | 40 | $68,963 |
| DENNIS KINGERY | CHIEF FINANCIAL OFFICER | 40 | $273,167 |
| KENDALL SCHORR | CHIEF RISK OFFICER | 40 | $257,393 |
| RYAN HUFF | CHIEF INFORMATION OFFICER | 40 | $186,869 |
| DANIEL KITCHEN | VP OF BUSINESS BANKING | 40 | $189,183 |
| KIRSTEN HANSON | VP OF REAL ESTATE LENDING | 40 | $197,941 |
| ROGELIO ESTRADA | VP OF PROCESS EXCELLENCE | 40 | $200,811 |
| NATHAN FRICHTEL | VICE PRESIDENT, INFORMATION TECHNOLOGY | 40 | $186,064 |
| RICHARD CADENA | VICE PRESIDENT OF MEMBER EXPERIENCE | 40 | $183,585 |
Frequently Asked Questions
How large is Frontwave Credit Union?
As of 2024, Frontwave Credit Union holds $1.4B in total assets with $93.3M in annual revenue.
Where does Frontwave Credit Union operate?
Frontwave Credit Union has awarded grants in California, Virginia.
What is Frontwave Credit Union's EIN?
Frontwave Credit Union's EIN (Employer Identification Number) is 95-1820763. IRS Form 990 filing data is available on this page for 2020–2024.
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Data last updated April 2026. Sourced from IRS Form 990-PF filings.
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