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POINT BREEZE CREDIT UNION

Dec, 31, 2023 — POINT BREEZE CREDIT UNION is a federally insured state chartered credit union headquartered in HUNT VALLEY, MD with 5 branch locations and about $922.50 million in total assets. Opened 89 years ago in 1935, POINT BREEZE CREDIT UNION has about 63,871 members and employs 133 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 252076565
Name:POINT BREEZE CREDIT UNION
Address:
(Main Office)
11104 McCormick Rd
HUNT VALLEY, MD 21031-1404
Phone:(410) 584-7228
Fax:(410) 771-8491
Website:https://www.pbcu.com
Branches:5 branch locations
Members:63,871
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:66585
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1935
Last Audited:Dec 01, 2022
FHLB Member:Yes
Low Income Designation:No
Assets:$922,504,089
CEO/Manager:Tonia M Niedzialkowski
Chairperson:Donald M Gundlach

Call Report

  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 47,431,438
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 431,712,035
 Unsecured Loans 19,692,119
 Other Loans 141,808,651
 TOTAL LOANS 593,232,632
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,816,816
 Land And Building 30,151,057
 Other Fixed Assets 4,750,678
 NCUSIF Deposit 7,678,326
 All Other Assets 0
  TOTAL ASSETS 922,504,089
LIABILITIES & CAPITAL:  
 Dividends Payable 629,140
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 19,564,407
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 130,155,174
 Regular shares 460,683,851
 All Other Shares & Deposits 192,648,207
  TOTAL SHARES & DEPOSITS 783,487,232
  TOTAL LIABILITIES 803,694,576
 Regular Reserve 0
 Other Reserves -5,779,519
 Undivided Earnings 124,589,032
  TOTAL EQUITY 118,809,513
  TOTAL LIABILITIES, SHARES, & EQUITY 922,504,089
INCOME & EXPENSE  
 Loan Income 23,012,559
 Investment Income 3,600,611
 Other Income 3,059,955
 Total Employee Compensation & Benefits 12,709,984
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 14,541,871
 Non-operating Income & (Expense) -106,405
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 635,075
 Cost of Funds 4,135,730
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,000,812
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