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POINT BREEZE CREDIT UNION

Jun, 30, 2024 — POINT BREEZE CREDIT UNION is a federally insured state chartered credit union headquartered in HUNT VALLEY, MD with 5 branch locations and about $950.24 million in total assets. Opened 90 years ago in 1935, POINT BREEZE CREDIT UNION has about 62,354 members and employs 122 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:62,354
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, 2021
FHLB Member:Yes
Low Income Designation:No
Assets:$950,237,267
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 54,523,776
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 400,226,008
 Unsecured Loans 16,828,834
 Other Loans 150,500,205
 TOTAL LOANS 567,580,638
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,320,311
 Land And Building 28,111,368
 Other Fixed Assets 3,153,209
 NCUSIF Deposit 8,038,259
 All Other Assets 44,000
  TOTAL ASSETS 950,237,267
LIABILITIES & CAPITAL:  
 Dividends Payable 209,914
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 13,651,945
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 128,690,062
 Regular shares 569,653,391
 All Other Shares & Deposits 129,930,751
  TOTAL SHARES & DEPOSITS 828,274,204
  TOTAL LIABILITIES 842,136,063
 Regular Reserve 0
 Other Reserves -14,558,151
 Undivided Earnings 122,659,355
  TOTAL EQUITY 108,101,204
  TOTAL LIABILITIES, SHARES, & EQUITY 950,237,267
INCOME & EXPENSE  
 Loan Income 14,386,093
 Investment Income 2,376,418
 Other Income 1,976,744
 Total Employee Compensation & Benefits 9,016,203
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 9,869,154
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 228,319
 Cost of Funds 994,963
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 1,894,270
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