Sep, 30, 2025 — POINT BREEZE CREDIT UNION is a federally insured state chartered credit union headquartered in HUNT VALLEY, MD with 5 branch locations and about $960.30 million in total assets. Opened 91 years ago in 1935, POINT BREEZE CREDIT UNION has about 67,900 members and employs 127 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| 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: | 67,900 |
| 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, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $960,300,567 |
| CEO/Manager: | Tonia M Niedzialkowski |
| Chairperson: | Donald M Gundlach |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 87,438,402 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 520,307,903 |
| Unsecured Loans | 22,473,900 |
| Other Loans | 139,655,041 |
| TOTAL LOANS | 682,436,844 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,299,990 |
| Land And Building | 28,781,453 |
| Other Fixed Assets | 5,269,625 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 7,743,409 |
| All Other Assets | 0 |
| TOTAL ASSETS | 960,300,567 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 1 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 8,239,187 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 129,661,485 |
| Regular shares | 426,890,373 |
| All Other Shares & Deposits | 265,908,348 |
| TOTAL SHARES & DEPOSITS | 822,460,206 |
| TOTAL LIABILITIES | 830,716,355 |
| Regular Reserve | 0 |
| Other Reserves | -385,684 |
| Undivided Earnings | 129,969,896 |
| TOTAL EQUITY | 129,584,212 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 960,300,567 |
| INCOME & EXPENSE | |
| Loan Income | 24,294,642 |
| Investment Income | 6,611,423 |
| Other Income | 2,780,746 |
| Total Employee Compensation & Benefits | 10,313,433 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 13,752,571 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,543,208 |
| Cost of Funds | 7,626,997 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,626,768 |
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