# POINT BREEZE
Hunt Valley, MD · NCUA charter 66585 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/point-breeze-66585

Who the members are: state charter, organized 1935. 67,607 members of 369,000 potential (18.3% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.00B |
| Members | 67,607 (2.4% YoY) |
| Full-time staff | 125 |
| Net worth | $132.8M |
| Net worth ratio | 13.3% (p85 of band) |
| ROA (annualized) | 0.49% (p30 of band) |
| Total delinquency | 0.27% (p12 of band) |
| Net charge-offs (annualized) | 0.23% (p18 of band) |
| Loans / shares | 81% (p34 of band) |
| Cash / assets | 16.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.27% (p48 of band) |
| Operating expense / assets | 3.39% (p60 of band) |
| Vehicles % of loans | 18% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 39% |
| Third-party paper % of net worth | 38% (p22 of band) |
| Vehicle delinquency | 0.29% (p19 of band) |
| Vehicle NCO | 0.79% (p38 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 81% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 26% |
| Average share balance | $7,443 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $21.1M |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 53% |
| Average loan balance | $30,864 |
| Loans granted, annualized | $208.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $21.1M outstanding purchased (15.9% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 4.8% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | delinquency rising |  |
| 2020-09 | 1 |  | delinquency rising |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 0 |  | delinquency rising, net worth falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-23 [Point Breeze Credit Union CEO Tonia Niedzialkowski named winner of 2026 Baltimore Business Journal Executive Leadership Awards - CUInsight](https://news.google.com/rss/articles/CBMi-wFBVV95cUxOUEhOSC1LdEVpZ3FHVmpyNm5LV2tITXdGVEEzbmRqbjB0eTljOVVJcHlLTGVaWERDMnRTUlZjWFMzLVF6WWhIQkk2czNpSTE2VGNZWGVCUkt4LVE3TURkRmx1X0IzNlM0RzZTNlFfbm1Wb0Q0cnNWR25jSk1pSzA5cExnSzJSNFBHSmVmYWpJMFJyWkh5a2I4a1gxd0N1bkN6Q21QM0ZwR0FOMmhtRmMzd0s5SXZMVVctRGh1NFVUSlR5UUoxWGl1U2lnNW84S1g3UEdjWVZXVk0wTjdLV2cwSVV2MDIyZmRzZV94aUtxTnB0elNGWGd0UTZsaw?oc=5) · CUInsight
- 2026-03-11 [Point Breeze Credit Union announces $50,000 gift to LifeBridge Health Carroll Hospital - CUInsight](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPb0o5NjV3ekdIbEd3Um9fR2p3aVBjY2hoRGFIN1ZNMEllRHM0b293WjcxTkdGUkVxMGhlR09QbVdKdnJReTNWMUI1QjY4Mm4tMXIxeG9DclpfRV9aanZGX0hTeFY3cTAxaEVnQTZfcjNkYlgtWnZEUVR5WW9OS1dLVk9DaU16NFJTLUVvaElWX2hDd25FaUJLV3ZSS0lwdnAtOFFnMFBlVGV4MjJYNkduNGhkdWVRYlgxR0lyUkdpR3BGOTg?oc=5) · CUInsight
- 2025-09-02 [MD credit unions to merge - Maryland Daily Record](https://news.google.com/rss/articles/CBMickFVX3lxTFB4R1Y4OXJuOWdKcW5vUXVYYnBSMTdxUmVaYzd1ZDczM0RSVm9XRjdFNHd3bE04MjBKTDZOTTRjUkZVR29PekhBWlB1VWtERWx6NDVlSlpNam1pR3dBNjZKQTlGQkFyLVhDbmxnTVBNMGhyZw?oc=5) · Maryland Daily Record
- 2020-07-09 [Marisa Ehrlich Named Senior Vice President, Chief Financial Officer of Point Breeze Credit Union - I95 Business](https://news.google.com/rss/articles/CBMiTkFVX3lxTE5wUmsybDlWNkwyTE9oWWZHWE0zNFlVT2FaVTMtUHB1YTBCQ1N3RHd4SWp3V2ZSa0JZUklKdGt6YTBFX28wamRyZldVNmoxdw?oc=5) · I95 Business
- 2023-06-05 [Point Breeze Credit Union Unveils New State-of-the-Art Rosedale Office - PRWeb](https://news.google.com/rss/articles/CBMitwFBVV95cUxNdHFjaDhWLWdvZnBiSENWNm1yOHNoMHNyMFdqQktQNVZBSERTX0xvS05OSWt2cWRLT2JRVE1IZjdLNWFnZHdYYjU1WGVkSzRlMkd5aUJWRjA4SWxscjAwS3RCcE8wOUlycW1iSS1KMnMtc3ctQm1VcXB4QTZnNjVqRVB5SzRnR3ZuVUVoOUZqUldHbnloRWlpMnRsdXpCZHBjTWJTUnBfVmN1ck9lX09XY182QzJaS3M?oc=5) · PRWeb
- 2021-02-02 [Point Breeze begins leadership transition by splitting executive roles | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOY0hvak1UR3ZNZFE5bnlxUEZNSHJUVWRsY0I3aW5LTXhfU1B3ZWJTSE05T1A0NjBpWlVkSnJybVl2QThEWG5vWHU1cGxTTXRIckV3WlZudkw1XzdNbFJWLWVzN3duUThxQmRPd3dYa0FfYWVxdDZ0eFF2ZlNBbnhoLVFSSEQwdm1TQl94RURyR3pRY2NGOWQ4T0FwX2theUZNTXRrMXRIbmE2VGZiQ1ZjVDlGR3pfZ2tEVlZj?oc=5) · American Banker
- 2023-06-28 [Joey Klein Joins Point Breeze Credit Union as Member Business Lending Officer - citybiz](https://news.google.com/rss/articles/CBMitwFBVV95cUxPclFlOFhxdFN3U1NORTA0MUdNSzZ5b1ZpNXBPMmZZRFBXVFM5TG9OODU5b0NRb24tSXRGbS05N3VTcEhZZG1TengzWFRYZFJsYkFreGFCcUE5WWFsZHlRNlJyZ2tROEtvWFlvNVBFRWQtaF9lVDM2Y05kUTVMRExoYmlleEl3SlN6RXVJajM0WWZtNkw3OGFmbU1VWTNJYUVWTnNDcmFsbTl3Q2JqaDhCS1FjTV9LTlk?oc=5) · citybiz
- 2024-04-15 [Point Breeze Credit Union donates $65,000 to 5 MD charities - Maryland Daily Record](https://news.google.com/rss/articles/CBMinAFBVV95cUxNcjBxMnpxZngyZ25aNEhtdl90dldZdEt6NEI0Z25KdDRQZy14cDMwSHEyS092aWJDQ2lLdW11ODlzemkxTVBNMHFWSTduNmxZOGFPQjZLZWV4TnBGS285RGVWR1EycEVhX2lrb2NLMTV5RllPWUpMZ0diUTc0UTNBTUVfX1lFYVh3WmVKdjBOdUZ2YlJROXlPUjMzcXY?oc=5) · Maryland Daily Record

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66585 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/25.json (key "66585", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66585
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide