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Frontwave Credit Union at a glance

· Public charity

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…

$127k
Granted FY2020
7
Grants FY2020
2
States reached
$21k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2019 to 2020.

Recreation & Sports$77kArts & Culture$74kCommunity Improvement$20kHealth$15kPhilanthropy$5k
02FY2020 · 7 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 7 grants below total $75,070, the rows itemized in this filing. The $126,686 headline is the total grant expense on the return; the other $51,616 is giving the schedule does not break out (grants under the $5,000 itemization floor, grants to individuals, grants on other schedules). Every figure below describes the itemized rows only.

By grant size · FY2020

  • Under $10k4 grants · $24k
  • $10k–50k3 grants · $51k
$8,000
Median grant
2
States reached
$1.4B
Total assets
Largest grants
RecipientAmount
ARMED SERVICES YMCA AT CAMP PENDLETON$20,899
OCEANSIDE CHAMBER OF COMMERCE$20,010
MOONLIGHT CULTURAL FOUNDATION$10,000
OCEANSIDE MUSEUM OF ART$8,000
MARINE CORPS ASSOCIATION & FOUNDATION$5,770
KINANE EVENTS INC$5,391
OCEANSIDE CHARITABLE FOUNDATION$5,000
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Dollar for dollar, its grants (FY19–20) land where the poverty rate runs at 11%, against an area that typically sits at 11%. 90% of its dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 11%RADY CHILDREN'S HOSPITAL FOUNDATION: $15k → 11%SPECTRUM SPORTS MANAGEMENT: $15k → 14%ASA ENTERTAINMENT GROUP LLC: $10k → 10%MARINE CORPS ASSOCIATION & FOUNDATION: $6k → 6%ARMED SERVICES YMCA AT CAMP PENDLETON: $26k → 11%ARMED SERVICES YMCA AT CAMP PENDLETON: $21k → 11%KINANE EVENTS INC: $5k → 11%OCEANSIDE CHAMBER OF COMMERCE: $20k → 11%OCEANSIDE MUSEUM OF ART: $10k → 11%OCEANSIDE MUSEUM OF ART: $8k → 11%CA CENTER FOR THE ARTS ESCONDIDO: $10k → 11%OCEANSIDE CHARITABLE FOUNDATION: $5k → 11%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP.
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

57%of every dollar goes to organizations it has funded before.
$106k · 3 repeat orgs$81k to everyone else

Grantees it renews have grown median revenue +133% since the first grant, against +19% for those funded once.

3 repeat relationships: 3 still active in FY2020, 0 since wound down; 3 grantees were first funded in FY2020 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

3
4

Total granted

$106k
$50k

Median revenue growth · since first grant

+133%
+19%

Still filing today

67%
50%

New vs renewed · share of each year

In FY2020, 56% of grant dollars renewed an existing relationship; $31k went to new ones.

50%100%’19’20
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’19’20
Arts & CulturePhilanthropyOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). The earliest year is left-censored: relationships that predate the data read as new. Theme is the grantee’s IRS cause.

Backed again, and grew

  • AS
    ARMED SERVICES YMCA OF THE USA
    2× · 2019–2020 · $47k
  • MC
    MOONLIGHT CULTURAL FOUNDATION
    2× · 2019–2020 · $41k · revenue +133%
  • OM
    OCEANSIDE MUSEUM OF ART
    2× · 2019–2020 · $18k · revenue +76%

Funded once

  • SS
    SPECTRUM SPORTS MANAGEMENT
    one grant, 2019 · $15k
  • RC
    RADY CHILDREN'S HOSPITAL FOUNDATION SAN DIEGO
    one grant, 2019 · $15k · revenue -15%
  • AE
    ASA ENTERTAINMENT GROUP LLC
    one grant, 2019 · $10k
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field
04the grantee network

7 grantees tracked through their own filings, 2017–2025.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2025, not grant rows in a single year, so this will not match the grant count on the cover. 7 of the 11 grantees resolved in that span have returns of their own we could reconcile.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

0
Load-bearing (≥25% of a budget)
3
Early backer (in before they grew)
7/7
Grantees still filing
5/7
Grew since first funded

Where the money sits, by cause and then by grantee

ARMED SERVICES YMCA OF THE USA: $47,059 · OtherARMED SERVICES YMCA OF THE USAOCEANSIDE CHAMBER OF COMMERCE: $20,010 · OtherOCEANSIDE CHAMBER OF COMMERCESPECTRUM SPORTS MANAGEMENT: $15,000 · OtherSPECTRUM SPORTS MANAGEMENTASA ENTERTAINMENT GROUP LLC: $10,000 · OtherASA ENTERTAINMENT GROUP LLCKINANE EVENTS INC: $5,391 · OtherKINANE EVENTS INCMOONLIGHT CULTURAL FOUNDATION: $40,500 · Arts & CultureMOONLIGHT CULTURAL FOUNDATIONOCEANSIDE MUSEUM OF ART: $18,000 · Arts & CultureOCEANSIDE MUSEUM OF ARTCALIFORNIA CENTER FOR THE ARTS ESCONDIDO FOUNDATION: $10,000 · Arts & CultureCALIFORNIA CENTER FOR THE ARTS ESCONDIDO FO…MARINE CORPS ASSOCIATION FOUNDATION: $5,770 · Arts & CultureMARINE CORPS ASSOCIATION FOUNDATIONRADY CHILDREN'S HOSPITAL FOUNDATION SAN DIEGO: $15,000 · PhilanthropyRADY CHILDR…THE SAN DIEGO FOUNDATION: $5,000 · PhilanthropyTHE SAN DIE…
Other$97,460Arts & Culture$74,270Philanthropy$20,000

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$10M$100Mgrantee revenue →↑ funder's share of their budgetMOONLIGHT CULTURAL FOUNDATION: $40,500 over 2y, 3.3% of budgetOCEANSIDE CHAMBER OF COMMERCE: $20,010 over 1y, 2.3% of budgetOCEANSIDE MUSEUM OF ART: $18,000 over 2y, 0.8% of budgetRADY CHILDREN'S HOSPITAL FOUNDATION SAN DIEGO: $15,000 over 1y, 0.0% of budgetCALIFORNIA CENTER FOR THE ARTS ESCONDIDO FOUNDATION: $10,000 over 1y, 0.2% of budgetMARINE CORPS ASSOCIATION FOUNDATION: $5,770 over 1y, 0.4% of budgetTHE SAN DIEGO FOUNDATION: $5,000 over 1y, 0.0% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

Donor Advised Charita…Fidelity Investments …
Donor Advised Charitable Giving IncCO5.3× affinity5 shared granteesties to 1 of 1Hover any node to trace its alignments.Compare side by side →

Open a dossier: Donor Advised Charitable Giving Inc · Fidelity Investments Charitable Gift Fund

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization Frontwave Credit Union funds: left to right is the share of its income from government, bottom to top the share from Frontwave Credit Union. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%0%1%3%5%funder's share of their income ↑0%3%5%8%10%share of the org’s income from government →
    no gov moneyreceives it· size = income
    0get no government money at all
    2report government grants on their 990 we could not trace to a source (not plotted)
    0rely on government for over half their income
    ⤢ axis zoomed · 0–10%
    typical government reliance, FY20–25
    How this is measured
    Government income is each org’s traced federal awards (USASpending grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that a grant caused the public funding. Coverage is precision-first, a floor rather than a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12 to 24 months.

    On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 11 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

    How this is measured
    Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

    Generated from the IRS Form 990 e-file return for fiscal year 2020, released 2020. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

    Possibly out of date. A more recent filing (FY2024) is on record and reports no grant expense, so the figures above are from FY2020, the most recent year this funder made grants.

    Source object · view filing

    Play a game based on Frontwave Credit Union’s filings →

    More from the funding graph

    The unnamed billions
    grants reported with no recipient in the public record
    The regranting layer
    51% of grant dollars land in the regranting layer
    The DAF merry-go-round
    $9.7B circulates between donor-advised funds
    The endowment market
    who holds foundation money, and what just moved
    The camps
    funders cluster by geography, not ideology
    By state
    where grant money is based, and what stays home