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.
Name: | POINT BREEZE CREDIT UNION |
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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 |
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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 |
ASSETS: | $ Amount |
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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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