FRONTWAVE CREDIT UNION
EIN 95-1820763 · Arts, Culture & Humanities (A)
What they do
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.
Should I give to this charity?
Of every $100 spent, about $100.00 was reported for mission work. Use the spending picture below and ask what results that work produced.
Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.
Basic facts we verified
IRS warning checkNo IRS revocation warning appears in this data.
Money report from 2024The charity has a recent tax report to read.
They explain their jobThe charity tells us what it is trying to do.
They name their leaders22 people are listed in the latest report.
You can reach themThey list contact information, so you can ask questions.
Money made simple
Ask these three easy questions
- Who did you help? Ask for a recent story or report that shows real results.
- What will my money do? Ask exactly what your gift will pay for.
- Is this really the charity? Give only through its official website or confirmed phone number.
Pay context: The highest compensation shown in this filing is $411,283 for WILLIAM BIRNIE (PRESIDENT/CEO). Compare pay with organizations of similar size and complexity.
Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.
Financial picture
A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.
How each $100 of revenue was used
The large number compares each expense with revenue. The smaller number shows its share of total expenses.
Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.
Has the pattern changed?
Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.
Money in and money out
Reported spending amounts
Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.
See all reported dollar amounts
Leadership and board
Names, titles, time, and compensation below are reported by the organization on its Form 990.
People reported as paid
Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.
See everyone listed on the board or leadership roster (22)
WILLIAM BIRNIEPRESIDENT/CEO
TODD KERNCHIEF EXPERIENCE OFFICER
SARAI RODGERSCHIEF HUMAN RESOURCES OFFI
PAUL LEONHARDTCHIEF LENDING OFFICER
DENNIS KINGERYCHIEF FINANCIAL OFFICER
KENDALL SCHORRCHIEF RISK OFFICER
ROGELIO ESTRADAVP OF PROCESS EXCELLENCE
DANIEL KITCHENVP OF BUSINESS BANKING
NATHAN FRICHTELVICE PRESIDENT, INFORMATION TECHNOLOGY
KIRSTEN HANSONVP OF REAL ESTATE LENDING
RICHARD CADENAVICE PRESIDENT OF MEMBER EXPERIENCE
RYAN HUFFCHIEF INFORMATION OFFICER
WILLIAM WELLSCHIEF INFORMATION OFFICER (UNTIL 1/12/24)
MICHAEL BRIGAGLIANOVICE CHAIRMAN
SALLY ARNETTDIRECTOR
AMANDA COOKTREASURER
KELLEY MAYERDIRECTOR
JOSEP MITILIERIDIRECTOR
GERALD POLYASCKODIRECTOR
GARY GREVINGSECRETARY
BRIAN SUTTONCHAIRMAN
ANN REGANDIRECTOR
About this charity
- Recognized since
- January 1979
- Location
- 1278 ROCKY POINT DR, OCEANSIDE, CA 92056-5867
- County
- San Diego
- In care of
- DENNIS KINGERY
- Primary officer
- DENNIS KINGERY, CFO
How to reach them
Filing and classification
- Latest tax year
- 2024
- Tax period began
- January 1, 2024
- Return type
- 990
- Tax preparer
- SINGERLEWAK LLP
- NTEE classification
- Arts, Culture & Humanities (A)
- IRS tax category
- Arts, Culture & Humanities
- Grant-giving organization
- Yes