2021-11-11T07:39:49-06:00 2020-12-31 541149263 Yount Hyde & Barbour PC 8100 Sandpiper Cir Ste 308 Baltimore MD 21236 990 2020-01-01 520447180 Point Breeze Credit Union POIN 4105847228 11104 McCormick Road Hunt Valley MD 21031 Tonia Niedzialkowski President 4105847228 2021-11-11 1 Tonia Niedzialkowski 999009999 Joseph A Musumeci Jr P00841270 4437255395 2021-11-11 3 AAL1 IAL1 2020 2022-09-23 18:48:47Z Bernard G McLaughlin 11104 McCormick Road Hunt Valley MD 21031 29502603 0 X www.pbcu.com X 1935 MD State chartered credit union 8 8 141 0 66350 0 0 0 26457807 25672620 5791946 3829983 9577 0 32259330 29502603 0 0 0 0 11343527 12161975 0 0 0 15999850 14340382 27343377 26502357 4915953 3000246 773853745 870833707 4614995 4341601 769238750 866492106 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 59,746 members. 0 0 0 0 0 0 0 0 0 1 0 0 1 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 21767 0 1 141 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 4105847228 11104 McCormick Road Baltimore MD 21031 Michael J Gallagher Vice Chairman 1.24 X 12750 0 0 Cordell D Boone Treasurer 0.91 X 5850 0 200 Lynn B Finckel Secretary 0.61 X 6900 0 200 Howard W Uhl Director 0.63 X 7830 0 0 William R Helmey Director 0.57 X 6300 0 2000 Donald Gundlach Chairman 1.32 X 11550 0 200 Donald D Beynon Jr Director 0.39 X 5100 0 200 Jean Lewis Director 0.43 X 2400 0 200 Jack Wilt Supervisory Committee 0.17 X 120 0 0 William Cockey Supervisory Committee 0.17 X 720 0 0 Helen Martinez Supervisory Committee 0.17 X 120 0 0 Bernard G McLaughlin CEO 40.00 X 617909 0 69702 Eugenie Briggs SVP - Marketing 40.00 X 139221 0 39961 Tonia M Niedzialkowski President 40.00 X 279866 0 176623 Patricia Brice SVP/CLO 40.00 X 199829 0 158002 Kristin Reynolds SVP - Human Resources 40.00 X 162301 0 150799 Kimberly Mangrum SVP - Member Services 40.00 X 198267 0 145026 Marisa Ehrlich SVP/CFO 40.00 X 97480 0 12457 Karen Trimp VP - Compliance 40.00 X 123763 0 47063 Cynthia Harrell VP - Operation Support 40.00 X 117628 0 48444 Stewart Holbrook VP - IT 40.00 X 137284 0 36283 Beth Bavis VP - Member Business Lendi 40.00 X 143857 0 42202 Susan Waite VP - Lending 40.00 X 117856 0 49504 2394901 0 979066 11 0 1 0 Buch Construction 11292 Buch Way Laurel MD 20723 Construction and Facilities 6184678 Fiserv Inc 225 Fiserv Dr Brookfield WI 53045 Data Processing 1182641 The Long Group 22 Greeley St Merrimack NH 03054 Business Development 860503 NCR Corp 1300 Seaport Redwood City CA 94063 Software Provider 782595 American Design Associates 9000 Harford Rd Parkville MD 21234 Office Furniture 602887 5 Interest on loans 522100 20618166 20618166 Other services 525990 3276871 3276871 Share account services 525990 1516732 1516732 Credit insurance 524298 194501 194501 Nonmember ATM fees 525990 66350 66350 25672620 3829983 3829983 29502603 25606270 66350 3829983 3373967 6206712 544627 1415117 621552 130341 103508 764256 1252291 1806267 989261 1575356 6226 28494 2636846 1330821 169853 Lending 1439361 Bank service charges 1029372 Loan loss provision 817410 Miscellaneous 260719 26502357 4278373 6911318 47234169 89428270 610937 1126130 486057031 486929935 35163275 11191736 16542662 23971539 175443265 213131678 43687308 49334837 773853745 870833707 4614995 4341601 4614995 4341601 X 652979467 745569388 0 0 116259283 120922718 769238750 866492106 773853745 870833707 X 3000246 1663189 92589921 X X 0 1 X 1 0 2577140 2577140 24194253 5398474 18795779 8391882 5793262 2598620 23971539 NCUSIF deposit 7009079 Accrued interest receivable 1471709 Other assets 20559103 CU owned life insurance 20294946 49334837 29502603 0 29502603 0 29502603 26502357 0 26502357 0 26502357 1 X X X X 0 1 0 Bernard G McLaughlin CEO 617909 0 0 0 0 0 27075 0 42627 0 687611 0 0 0 Tonia M Niedzialkowski President 279866 0 0 0 0 0 143908 0 32715 0 456489 0 0 0 Patricia Brice SVP/CLO 199829 0 0 0 0 0 136126 0 21876 0 357831 0 0 0 Kimberly Mangrum SVP - Member Services 198267 0 0 0 0 0 117570 0 27456 0 343293 0 0 0 Kristin Reynolds SVP - Human Resources 162301 0 0 0 0 0 120105 0 30694 0 313100 0 0 0 Beth Bavis VP - Member Business Lendi 143857 0 0 0 0 0 12297 0 29905 0 186059 0 0 0 Eugenie Briggs SVP - Marketing 139221 0 0 0 0 0 18383 0 21578 0 179182 0 0 0 Stewart Holbrook VP - IT 137284 0 0 0 0 0 11730 0 24553 0 173567 0 0 0 Karen Trimp VP - Compliance 123763 0 0 0 0 0 20737 0 26326 0 170826 0 0 0 Susan Waite VP - Lending 117856 0 0 0 0 0 20246 0 29258 0 167360 0 0 0 Cynthia Harrell VP - Operation Support 117628 0 0 0 0 0 19184 0 29260 0 166072 0 0 0 Cordell Boone Treasurer mortgage X 13500 0 1 1 Eugeneie Briggs SVP - Marketing mortgage, credit card X 258000 247121 0 1 1 Howard Uhl Director credit card, auto X 30302 0 1 1 Kimberly Mangrum SVP - Member Services auto X 38763 0 1 1 Kristin Reynolds SVP - Human Resources 2nd mortgage, credit card, auto X 62236 53284 0 1 1 Lynn Finckel Secretary HELOC X 42900 0 1 1 Michael J Gallagher Vice Chairman credit cards, auto, mortgage X 165091 37053 0 1 1 Patricia Brice SVP/CLO mortgage, credit card X 305000 209640 0 1 1 Tonia M Niedzialkowski President mortgage, credit card, auto X 462689 174098 0 1 1 William Cockey Supervisory Committee auto X 5074 1560 0 1 1 Susan Waite VP - Lending HELOC, auto, credit card X 226900 139799 0 1 1 Victoria Amend VP - Collections 2nd mortgage, credit card X 47349 42574 0 1 1 Cynthia Harrell VP - Operation Support mortgage, credit card, auto, share X 219930 200285 0 1 1 Donald Gundlach Chairman auto X 23587 20716 0 1 1 1126130 Form 990, Part VI, Section A, line 6 The Credit Union has approximately 59,746 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 92,589,921. 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.