Civic Intelligence

Point Breeze Credit Union

EIN 52-0447180 • 501(c)14 • Hunt Valley, MD

View Organization Page

Profile

Our mission is to provide quality financial solutions for every member.

11104 Mccormick RoadHunt Valley, MD 21031

www.pbcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

2nd percentile

0.01x

Higher debt load relative to assets than 2% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

2nd percentile

0.28x

Higher debt load relative to revenue than 2% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

23rd percentile

4.1%

Higher net margin than 23% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

57th percentile

$598,475

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

$250M-$1B nonprofits • Source year 2022

Asset Growth

53rd percentile

3.1%

Faster asset growth than 53% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

86th percentile

26%

Faster revenue growth than 86% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets2nd percentile

Assets

Up

$950,783,118

Up $28,279,029 (+3.1%) from 2023

Liabilities

Down

$11,805,514

Down $8,401,830 (-42%) from 2023

Net Assets

Up

$938,977,604

Up $36,680,859 (+4.1%) from 2023

Operations
Liabilities / Revenue2nd percentileNet Margin23rd percentile

Revenue

Up

$42,823,299

Up $8,828,590 (+26%) from 2023

Expenses

Up

$41,069,203

Up $9,075,304 (+28%) from 2023

Net Income

Down

$1,754,096

Down $246,714 (-12%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth53rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.0B$500M$0Assets 2010: $690,369,571Liabilities 2010: $7,963,707Net Assets 2010: $682,405,8642010Assets 2011: $705,312,494Liabilities 2011: $7,523,494Net Assets 2011: $697,789,0002011Assets 2012: $724,912,442Liabilities 2012: $8,768,434Net Assets 2012: $716,144,0082012Assets 2013: $721,186,712Liabilities 2013: $4,081,091Net Assets 2013: $717,105,6212013Assets 2014: $723,937,352Liabilities 2014: $6,754,430Net Assets 2014: $717,182,9222014Assets 2015: $734,856,489Liabilities 2015: $4,238,093Net Assets 2015: $730,618,3962015Assets 2016: $746,440,396Liabilities 2016: $5,284,481Net Assets 2016: $741,155,9152016Assets 2017: $754,523,704Liabilities 2017: $4,677,348Net Assets 2017: $749,846,3562017Assets 2018: $766,117,381Liabilities 2018: $3,233,786Net Assets 2018: $762,883,5952018Assets 2019: $773,853,745Liabilities 2019: $4,614,995Net Assets 2019: $769,238,7502019Assets 2020: $870,833,707Liabilities 2020: $4,341,601Net Assets 2020: $866,492,1062020Assets 2021: $935,513,107Liabilities 2021: $3,869,751Net Assets 2021: $931,643,3562021Assets 2022: $947,157,705Liabilities 2022: $16,648,003Net Assets 2022: $930,509,7022022Assets 2023: $922,504,089Liabilities 2023: $20,207,344Net Assets 2023: $902,296,7452023Assets 2024: $950,783,118Liabilities 2024: $11,805,514Net Assets 2024: $938,977,6042024

Highlighted filing

2024

Assets$950,783,118
Liabilities$11,805,514
Net Assets$938,977,604
Open 2024 Filing

Operations Trend

Revenue Growth86th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60M$40M$20M$0Expenses 2010: $22,583,3222010Expenses 2011: $23,704,7352011Expenses 2012: $18,010,0292012Revenue 2013: $23,435,281Expenses 2013: $18,380,724Net Income 2013: $5,054,5572013Revenue 2014: $21,270,533Expenses 2014: $16,547,349Net Income 2014: $4,723,1842014Revenue 2015: $22,551,660Expenses 2015: $18,119,716Net Income 2015: $4,431,9442015Revenue 2016: $24,834,436Expenses 2016: $20,665,101Net Income 2016: $4,169,3352016Revenue 2017: $26,820,138Expenses 2017: $23,175,096Net Income 2017: $3,645,0422017Revenue 2018: $29,294,391Expenses 2018: $25,234,636Net Income 2018: $4,059,7552018Revenue 2019: $32,259,330Expenses 2019: $27,343,377Net Income 2019: $4,915,9532019Revenue 2020: $29,502,603Expenses 2020: $26,502,357Net Income 2020: $3,000,2462020Revenue 2021: $29,545,819Expenses 2021: $26,854,052Net Income 2021: $2,691,7672021Revenue 2022: $30,117,065Expenses 2022: $27,963,175Net Income 2022: $2,153,8902022Revenue 2023: $33,994,709Expenses 2023: $31,993,899Net Income 2023: $2,000,8102023Revenue 2024: $42,823,299Expenses 2024: $41,069,203Net Income 2024: $1,754,0962024

Highlighted filing

2024

Revenue$42,823,299
Expenses$41,069,203
Net Income$1,754,096
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$950,783,118
Liabilities
$11,805,514
Net assets
$938,977,604
Revenue
$42,823,299
Expenses
$41,069,203
Net income
$1,754,096
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$951$11.8$939$42.8$41.1$1.75
2023Detailed filing. Detailed filing data is available for this year.$923$20.2$902$34.0$32.0$2.00
2022Detailed filing. Detailed filing data is available for this year.$947$16.6$931$30.1$28.0$2.15
2021Detailed filing. Detailed filing data is available for this year.$936$3.87$932$29.5$26.9$2.69
2020Detailed filing. Detailed filing data is available for this year.$871$4.34$866$29.5$26.5$3.00
2019Detailed filing. Detailed filing data is available for this year.$774$4.61$769$32.3$27.3$4.92
2018Detailed filing. Detailed filing data is available for this year.$766$3.23$763$29.3$25.2$4.06
2017Detailed filing. Detailed filing data is available for this year.$755$4.68$750$26.8$23.2$3.65
2016Detailed filing. Detailed filing data is available for this year.$746$5.28$741$24.8$20.7$4.17
2015Detailed filing. Detailed filing data is available for this year.$735$4.24$731$22.6$18.1$4.43
2014Detailed filing. Detailed filing data is available for this year.$724$6.75$717$21.3$16.5$4.72
2013Detailed filing. Detailed filing data is available for this year.$721$4.08$717$23.4$18.4$5.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$725$8.77$716$18.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$705$7.52$698$23.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$690$7.96$682$22.6
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 10, 2025
Return Version
2024v5.2
Gross Receipts
$42,823,299
Mission and Program Overview

Mission

Our mission is to provide quality financial solutions for every member.

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$783,487,232$813,971,569▲ $30,484,337
Other Notes and Loans Receivable, Net$590,258,872$639,393,363▲ $49,134,491
Investments in Publicly Traded Securities$193,888,312$136,491,919▼ $57,396,393
Rtn Earn Endowment Incm Other Fnds$118,809,513$125,006,035▲ $6,196,522
Savings and Temporary Cash Investments$36,073,579$65,383,895▲ $29,310,316
Land, Buildings, and Equipment, Net$28,956,515$29,770,242▲ $813,727
Cash and Non-Interest-Bearing Accounts$11,357,858$12,051,416▲ $693,558
Receivables From Officers Etc$8,040,520$8,630,963▲ $590,443
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$922,504,089$950,783,118▲ $28,279,029
Other Assets Total$53,928,433$59,061,320▲ $5,132,887
Liabilities
Accounts Payable and Accrued Expenses$20,207,344$11,805,514▼ $8,401,830
Total Liabilities$20,207,344$11,805,514▼ $8,401,830
Net Assets / Fund Balance
Total Net Assets Fund Balance$902,296,745$938,977,604▲ $36,680,859
Total Liabilities and Net Assets / Fund Balance$922,504,089$950,783,118▲ $28,279,029

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$22,376,637$5,797,663$28,174,300
Equipment$5,573,880$8,270,817$13,844,697
Land$1,819,725-$1,819,725
Other Assets Org$5,415,401--
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tonia M NiedzialkowskiPresidentFT$529,306$194,981$724,287
Patricia BriceEvp/CLOFT$289,240$159,913$449,153
Kristin ReynoldsSVP - Human ResourcesFT$191,904$158,990$350,894
Marisa RivasSVP/CFOFT$255,504$49,794$305,298
Jesse BellSVP - Member ServicesFT$219,192$22,734$241,926
Eugenie BriggsSVP - MarketingFT$183,492$50,086$233,578
Beth BavisVP - Member Business BankiFT$176,398$47,644$224,042
Karen TrimpVP - ComplianceFT$159,574$51,009$210,583
Susan WaiteVP - LendingFT$142,437$56,709$199,146
Cynthia HarrellVP - Ops SupportFT$142,497$55,380$197,877
Stewart HolbrookVP - ItFT$163,310$32,408$195,718
Donald GundlachChairman-$12,578$2,000$14,578
Norma StumppDirector-$10,903$200$11,103
Helen MartinezSecretary-$8,162$200$8,362
Donald D Beynon JrDirector-$8,145$200$8,345
William R HelmeyDirector-$6,167$2,000$8,167
Cordell D BooneTreasurer-$7,083$200$7,283
Jean LewisDirector-$4,337$2,000$6,337
Robert TwardzikDirector-$5,422-$5,422
Robert WrightDirector-$4,129-$4,129
William CockeySupervisory Committee-$3,881-$3,881
Georgette BensonSupervisory Committee-$2,634-$2,634

Highest Paid Contractors

ContractorServicesLocationCompensation
The Long GroupBusiness Development22 GREELEY ST, Merrimack, NH 03054$1,373,639
Fiserv INCData Processing225 FISERV DR, Brookfield, WI 53045$770,699
Ncr CorpSoftware Provider1300 SEAPORT, Redwood City, CA 94063$717,736
Corelation INCComputer Consultant2305 HISTORIC DECATUR RD 300, San Diego, CA 92106$646,269
System SourceComputer Consultant338 CLUBHOUSE ROAD, Hunt Valley, MD 21031$569,333
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$36,250,780
Investment Income
$6,572,519
Other Revenue
$0
Change in Net Assets
$1,754,096

Audited Revenue Reconciliation

Revenue per Audited Statements
$42,823,299
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$42,823,299
Total Revenue per Form 990
$42,823,299
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$27,162,903
Salaries, Compensation, and Employee Benefits$13,906,300
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$8,669,765
Other Salaries and Wages---$7,620,122
Current Officers, Directors, Trustees, and Key Employees---$3,412,743
Office Expenses---$2,804,801
Fees for Services Other---$2,283,797
Occupancy---$2,163,462
Information Technology---$1,886,294
Depreciation Depletion---$1,607,386
Other Employee Benefits---$1,573,715
Advertising---$1,449,788
Payroll Taxes---$723,959
Other Expenses---$613,805
Pension Plan Contributions---$575,761
Insurance---$194,875
Fees for Services Accounting---$148,701
Conferences and Meetings---$131,141
Fees for Services Legal---$89,907
Travel---$24,756
Total Functional Expenses$0$0$0$41,069,203

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$41,069,203
Total Expenses per Audited Statements$41,069,203
Total Expenses per Form 990$41,069,203
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$8,040,520$8,630,963▲ $590,443
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has approximately 65,206 members.”

Form 990, Part VI, Section A, Line 7A

“Credit union members elect the board of directors.”

Form 990, Part VI, Section B, Line 11B

“The ceo and cfo perform final reviews of form 990.”

Form 990, Part VI, Section B, Line 12C

“The credit union monitors and enforces compliance with the conflict of interest policy through required disclosure if and when a conflict arises.”

Form 990, Part VI, Section B, Line 15

“The compensation committee reviews a national salary survey, evaluates the ceo's performance, and makes a proposal to the board of directors for the ceo's salary. The ceo reviews a national salary survey, reviews performance appraisals, and makes a proposal to the board of directors for officers' salaries. A third-party consultant provides salary recommendations. The board of directors discusses and approves the ceo's and officers' salaries.”

Form 990, Part VI, Section C, Line 19

“The credit union makes its governing documents and conflict of interest policy available to the public upon request. Quarterly financial statements are available through the ncua website. Annual audited financial statements are provided to members at the annual meeting.”

Filing and Contact Details

Filer

Filer Name
Point Breeze Credit Union
EIN
52-0447180
Phone
4105847228
Address
11104 MCCORMICK ROAD, HUNT VALLEY, MD 21031

Signing Officer

Name
Marisa Rivas
Title
SVP/CFO
Phone
4105847228
Signed
2025-11-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tonia Niedzialkowski
Formed
1935
Legal Domicile
Md
Voting Board Members
8
Independent Board Members
8
Employees
152
Volunteers
0

Preparer

Firm
Yount Hyde & Barbour Pc
Address
10451 MILL RUN CIRCLE SUITE 800, OWINGS MILLS, MD 21117
Preparer
Joseph a Musumeci Jr
Phone
4104159797
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net change in members' share balances 30,484,337.”

FORM 990, PART XII, LINE 2C:

“The supervisory committee is responsible for oversight of the audit of the financial statements and selection of the independent accountants.”

Raw XML AppendixShowing 400 of 814 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
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IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt3200
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt12158990
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1350086
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1449794
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt15159913
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1751009
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1832408
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1956709
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2047644
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2155380
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IRS990/Form990PartVIISectionAGrp/PersonNm1JEAN LEWIS
IRS990/Form990PartVIISectionAGrp/PersonNm2WILLIAM R HELMEY
IRS990/Form990PartVIISectionAGrp/PersonNm3DONALD D BEYNON JR
IRS990/Form990PartVIISectionAGrp/PersonNm4WILLIAM COCKEY
IRS990/Form990PartVIISectionAGrp/PersonNm5HELEN MARTINEZ
IRS990/Form990PartVIISectionAGrp/PersonNm6CORDELL D BOONE
IRS990/Form990PartVIISectionAGrp/PersonNm7NORMA STUMPP
IRS990/Form990PartVIISectionAGrp/PersonNm8GEORGETTE BENSON
IRS990/Form990PartVIISectionAGrp/PersonNm9ROBERT TWARDZIK
IRS990/Form990PartVIISectionAGrp/PersonNm10ROBERT WRIGHT
IRS990/Form990PartVIISectionAGrp/PersonNm11TONIA M NIEDZIALKOWSKI
IRS990/Form990PartVIISectionAGrp/PersonNm12KRISTIN REYNOLDS
IRS990/Form990PartVIISectionAGrp/PersonNm13EUGENIE BRIGGS
IRS990/Form990PartVIISectionAGrp/PersonNm14MARISA RIVAS
IRS990/Form990PartVIISectionAGrp/PersonNm15PATRICIA BRICE
IRS990/Form990PartVIISectionAGrp/PersonNm16JESSE BELL
IRS990/Form990PartVIISectionAGrp/PersonNm17KAREN TRIMP
IRS990/Form990PartVIISectionAGrp/PersonNm18STEWART HOLBROOK
IRS990/Form990PartVIISectionAGrp/PersonNm19SUSAN WAITE
IRS990/Form990PartVIISectionAGrp/PersonNm20BETH BAVIS
IRS990/Form990PartVIISectionAGrp/PersonNm21CYNTHIA HARRELL
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
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IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt6TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP - HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP - MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt15EVP/CLO
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IRS990/Form990PartVIISectionAGrp/TitleTxt17VP - COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP - IT
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP - LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP - MEMBER BUSINESS BANKI
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP - OPS SUPPORT
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IRS990ScheduleD/ExpensesSubtotalAmt041069203
IRS990ScheduleD/LandGrp/BookValueAmt01819725
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01819725

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