2022-11-09T13:10:04-06:00 2021-12-31 541149263 YOUNT HYDE & BARBOUR PC 8100 SANDPIPER CIR STE 308 BALTIMORE MD 21236 990 2021-01-01 520447180 POINT BREEZE CREDIT UNION POIN 4105847228 11104 MCCORMICK ROAD HUNT VALLEY MD 21031 TONIA NIEDZIALKOWSKI CEO/PRESIDENT 4105847228 2022-11-09 1 TONIA NIEDZIALKOWSKI 999009999 JOSEPH A MUSUMECI JR P00841270 4437255395 2022-11-09 3 AAL1 IAL1 2021 2022-09-23 18:48:47Z BERNARD G MCLAUGHLIN 11104 MCCORMICK ROAD HUNT VALLEY MD 21031 31291537 0 X WWW.PBCU.COM X 1935 MD STATE CHARTERED CREDIT UNION 8 8 138 0 68373 0 0 0 25672620 25552169 3829983 3993650 0 0 29502603 29545819 0 0 0 0 12161975 12515041 0 0 0 14340382 14339011 26502357 26854052 3000246 2691767 870833707 935513107 4341601 3869751 866492106 931643356 OUR MISSION IS TO PROVIDE QUALITY FINANCIAL SOLUTIONS FOR EVERY MEMBER. 0 0 POINT BREEZE CREDIT UNION PROVIDES LENDING AND DEPOSIT SERVICES TO ITS APPROXIMATELY 61,152 MEMBERS. 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 20090 0 1 138 1 1 1 0 0 0 0 0 0 0 X 8 8 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X MARISA EHRLICH 4435890439 11104 MCCORMICK ROAD BALTIMORE MD 21031 DONALD GUNDLACH CHAIRMAN 1.23 X 13050 0 200 JEAN LEWIS DIRECTOR 0.31 X 4200 0 200 HOWARD W UHL DIRECTOR 0.88 X 6480 0 0 WILLIAM R HELMEY DIRECTOR 0.48 X 4650 0 2000 DONALD D BEYNON JR DIRECTOR 0.29 X 4050 0 200 LYNN B FINCKEL SECRETARY 0.62 X 6450 0 200 WILLIAM COCKEY SUPERVISORY COMMITTEE 0.56 X 2400 0 0 JOHN WILT SUPERVISORY COMMITTEE 0.29 X 480 0 0 HELEN MARTINEZ SUPERVISORY COMMITTEE 0.31 X 3600 0 200 CORDELL D BOONE TREASURER 0.69 X 3600 0 200 MICHAEL J GALLAGHER VICE CHAIRMAN 1.15 X 11100 0 0 BERNARD G MCLAUGHLIN CEO 40.00 X 645180 0 72332 TONIA M NIEDZIALKOWSKI PRESIDENT 40.00 X 325541 0 170138 KRISTIN REYNOLDS SVP - HUMAN RESOURCES 40.00 X 167465 0 152017 EUGENIE BRIGGS SVP - MARKETING 40.00 X 145360 0 42861 KIMBERLY MANGRUM SVP - MEMBER SERVICES 40.00 X 206161 0 146140 MARISA EHRLICH SVP/CFO 40.00 X 201326 0 41766 PATRICIA BRICE SVP/CLO 40.00 X 210740 0 151453 KAREN TRIMP VP - COMPLIANCE 40.00 X 127434 0 42121 STEWART HOLBROOK VP - IT 40.00 X 140304 0 36900 SUSAN WAITE VP - LENDING 40.00 X 119607 0 50343 BETH BAVIS VP - MEMBER BUSINESS LENDI 40.00 X 147739 0 42960 SHANNON CARTER OFFICE ADMIN MGR 40.00 X 117568 0 45064 2614485 0 997295 12 0 1 0 BUCH CONSTRUCTION 11292 BUCH WAY LAUREL MD 20723 CONSTRUCTION AND FACILITIES 2791993 FISERV INC 225 FISERV DR BROOKFIELD WI 53045 DATA PROCESSING 1513987 THE LONG GROUP 22 GREELEY ST MERRIMACK NH 03054 BUSINESS DEVELOPMENT 1490616 NCR CORP 1300 SEAPORT REDWOOD CITY CA 94063 SOFTWARE PROVIDER 796676 SYSTEM SOURCE 338 CLUBHOUSE ROAD HUNT VALLEY MD 21031 IT 530333 27 INTEREST ON LOANS 522100 19094541 19094541 OTHER SERVICES 525990 4305001 4305001 SHARE ACCOUNT SERVICES 525990 1880415 1880415 CREDIT INSURANCE 524298 203839 203839 NONMEMBER ATM FEES 525990 68373 68373 25552169 2683156 2683156 3056212 1745718 1310494 1310494 1310494 29545819 26794290 68373 2683156 3611780 6233662 569651 1459210 640738 106432 116612 943810 1924743 2119187 1002385 2095222 4073 78839 1638799 1738104 173789 BANK SERVICE CHARGES 1432911 LENDING 1293704 MISCELLANEOUS 283769 LOAN LOSS PROVISION -613368 26854052 6911318 7345744 89428270 93062635 1126130 1520294 486929935 523243769 35030351 10152182 23971539 24878169 213131678 240250413 49334837 45212083 870833707 935513107 4341601 3869751 4341601 3869751 X 745569388 812072597 0 0 120922718 119570759 866492106 931643356 870833707 935513107 X 2691767 -4043726 66503209 X X 0 1 X 1 0 1819725 1819725 23389320 3543663 19845657 9821306 6608519 3212787 24878169 29545819 0 29545819 0 29545819 26854052 0 26854052 0 26854052 1 X X X X 0 1 0 BERNARD G MCLAUGHLIN CEO 645180 0 0 0 0 0 31015 0 41317 0 717512 0 0 0 TONIA M NIEDZIALKOWSKI PRESIDENT 325541 0 0 0 0 0 138500 0 31638 0 495679 0 0 0 PATRICIA BRICE SVP/CLO 210740 0 0 0 0 0 137992 0 13461 0 362193 0 0 0 KIMBERLY MANGRUM SVP - MEMBER SERVICES 206161 0 0 0 0 0 119384 0 26756 0 352301 0 0 0 KRISTIN REYNOLDS SVP - HUMAN RESOURCES 167465 0 0 0 0 0 121116 0 30901 0 319482 0 0 0 MARISA EHRLICH SVP/CFO 201326 0 0 0 0 0 10543 0 31223 0 243092 0 0 0 BETH BAVIS VP - MEMBER BUSINESS LENDI 147739 0 0 0 0 0 12807 0 30153 0 190699 0 0 0 EUGENIE BRIGGS SVP - MARKETING 145360 0 0 0 0 0 21125 0 21736 0 188221 0 0 0 STEWART HOLBROOK VP - IT 140304 0 0 0 0 0 12356 0 24544 0 177204 0 0 0 SUSAN WAITE VP - LENDING 119607 0 0 0 0 0 20851 0 29492 0 169950 0 0 0 KAREN TRIMP VP - COMPLIANCE 127434 0 0 0 0 0 21678 0 20443 0 169555 0 0 0 SHANNON CARTER OFFICE ADMIN MGR 117568 0 0 0 0 0 15659 0 29405 0 162632 0 0 0 EUGENEIE BRIGGS SVP - MARKETING MORTGAGE, HELOC, CREDIT CARDS X 292985 265502 0 1 1 KRISTIN REYNOLDS SVP - HUMAN RESOURCES MORTGAGE, AUTO, CREDIT CARD X 379621 375738 0 1 1 MICHAEL J GALLAGHER VICE CHAIRMAN AUTO, CREDIT CARDS X 165091 7673 0 1 1 PATRICIA BRICE EVP/CLO/RETAIL MORTGAGE, HELOC, CREDIT CARDS X 362896 255512 0 1 1 TONIA M NIEDZIALKOWSKI CEO/PRESIDENT MORTGAGE, AUTO X 462689 137602 0 1 1 SUSAN WAITE VP - LENDING HELOC, AUTOS, CREDIT CARDS X 226900 127263 0 1 1 VICTORIA AMEND VP - COLLECTIONS MORTGAGE, CREDIT CARD X 160403 152446 0 1 1 CYNTHIA HARRELL VP - OPERATION SUPPORT MORTGAGE, AUTO, CREDIT CARD, SHARE X 219930 184781 0 1 1 DONALD GUNDLACH CHAIRMAN AUTO X 23587 13777 0 1 1 1520294 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS APPROXIMATELY 61,152 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. FORM 990, PART XI, LINE 9: NET CHANGE IN MEMBERS' SHARE BALANCES 66,503,209. 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.