2025-11-12T10:20:02-06:00 2024-12-31 541149263 YOUNT HYDE & BARBOUR PC 10451 MILL RUN CIRCLE SUITE 800 OWINGS MILLS MD 21117 990 2024-01-01 520447180 POINT BREEZE CREDIT UNION POIN 4105847228 11104 MCCORMICK ROAD HUNT VALLEY MD 21031 MARISA RIVAS SVP/CFO 4105847228 2025-11-10 1 1 JOSEPH A MUSUMECI JR P00841270 4104159797 2025-11-10 2024 2025-03-06 01:10:19Z TONIA NIEDZIALKOWSKI 11104 MCCORMICK ROAD HUNT VALLEY MD 21031 42823299 0 X WWW.PBCU.COM X 1935 MD STATE CHARTERED CREDIT UNION 8 8 152 0 78969 0 0 0 30500503 36250780 3494206 6572519 0 0 33994709 42823299 0 0 0 0 12799327 13906300 0 0 0 19194572 27162903 31993899 41069203 2000810 1754096 922504089 950783118 20207344 11805514 902296745 938977604 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 65,206 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 23736 0 1 152 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 RIVAS 4435890439 11104 MCCORMICK ROAD BALTIMORE MD 21031 DONALD GUNDLACH CHAIRMAN 1.18 X 12578 0 2000 JEAN LEWIS DIRECTOR 0.40 X 4337 0 2000 WILLIAM R HELMEY DIRECTOR 0.55 X 6167 0 2000 DONALD D BEYNON JR DIRECTOR 0.79 X 8145 0 200 WILLIAM COCKEY SUPERVISORY COMMITTEE 0.19 X 3881 0 0 HELEN MARTINEZ SECRETARY 0.77 X 8162 0 200 CORDELL D BOONE TREASURER 0.63 X 7083 0 200 NORMA STUMPP DIRECTOR 0.98 X 10903 0 200 GEORGETTE BENSON SUPERVISORY COMMITTEE 0.17 X 2634 0 0 ROBERT TWARDZIK DIRECTOR 0.50 X 5422 0 0 ROBERT WRIGHT DIRECTOR 0.35 X 4129 0 0 TONIA M NIEDZIALKOWSKI PRESIDENT 40.00 X 529306 0 194981 KRISTIN REYNOLDS SVP - HUMAN RESOURCES 40.00 X 191904 0 158990 EUGENIE BRIGGS SVP - MARKETING 40.00 X 183492 0 50086 MARISA RIVAS SVP/CFO 40.00 X 255504 0 49794 PATRICIA BRICE EVP/CLO 40.00 X 289240 0 159913 JESSE BELL SVP - MEMBER SERVICES 40.00 X 219192 0 22734 KAREN TRIMP VP - COMPLIANCE 40.00 X 159574 0 51009 STEWART HOLBROOK VP - IT 40.00 X 163310 0 32408 SUSAN WAITE VP - LENDING 40.00 X 142437 0 56709 BETH BAVIS VP - MEMBER BUSINESS BANKI 40.00 X 176398 0 47644 CYNTHIA HARRELL VP - OPS SUPPORT 40.00 X 142497 0 55380 2526295 0 886448 11 0 1 0 THE LONG GROUP 22 GREELEY ST MERRIMACK NH 03054 BUSINESS DEVELOPMENT 1373639 FISERV INC 225 FISERV DR BROOKFIELD WI 53045 DATA PROCESSING 770699 NCR CORP 1300 SEAPORT REDWOOD CITY CA 94063 SOFTWARE PROVIDER 717736 CORELATION INC 2305 HISTORIC DECATUR RD 300 SAN DIEGO CA 92106 COMPUTER CONSULTANT 646269 SYSTEM SOURCE 338 CLUBHOUSE ROAD HUNT VALLEY MD 21031 COMPUTER CONSULTANT 569333 5 INTEREST ON LOANS 522100 28839085 28839085 OTHER SERVICES 525990 4031034 4031034 SHARE ACCOUNT SERVICES 525990 3125256 3125256 CREDIT INSURANCE 524298 176436 176436 NONMEMBER ATM FEES 525990 78969 78969 36250780 6572519 6572519 42823299 36171811 78969 6572519 3412743 7620122 575761 1573715 723959 89907 148701 2283797 1449788 2804801 1886294 2163462 24756 131141 8669765 1607386 194875 LENDING EXPENSE 2373614 BANK SERVICE CHARGES 1373176 LOAN LOSS PROVISION 1347635 MISCELLANEOUS 613805 41069203 11357858 12051416 36073579 65383895 8040520 8630963 590258872 639393363 43838722 14068480 28956515 29770242 193888312 136491919 53928433 59061320 922504089 950783118 20207344 11805514 20207344 11805514 X 783487232 813971569 0 0 118809513 125006035 902296745 938977604 922504089 950783118 X 1754096 4442426 30484337 X X 0 1 X 1 0 1819725 1819725 28174300 5797663 22376637 13844697 8270817 5573880 29770242 NCUSIF DEPOSIT 7341646 ACCRUED INTEREST RECEIVABLE 2816617 OTHER ASSETS 21899032 CU OWNED LIFE INSURANCE 21588624 RIGHT OF USE ASSETS 5415401 59061320 42823299 0 42823299 0 42823299 41069203 0 41069203 0 41069203 1 X X X X 0 1 0 TONIA M NIEDZIALKOWSKI PRESIDENT 529306 0 0 0 0 0 146000 0 48981 0 724287 0 0 0 PATRICIA BRICE EVP/CLO 289240 0 0 0 0 0 146000 0 13913 0 449153 0 0 0 KRISTIN REYNOLDS SVP - HUMAN RESOURCES 191904 0 0 0 0 0 126362 0 32628 0 350894 0 0 0 MARISA RIVAS SVP/CFO 255504 0 0 0 0 0 22342 0 27452 0 305298 0 0 0 JESSE BELL SVP - MEMBER SERVICES 219192 0 0 0 0 0 18923 0 3811 0 241926 0 0 0 EUGENIE BRIGGS SVP - MARKETING 183492 0 0 0 0 0 27483 0 22603 0 233578 0 0 0 BETH BAVIS VP - MEMBER BUSINESS BANKI 176398 0 0 0 0 0 16623 0 31021 0 224042 0 0 0 KAREN TRIMP VP - COMPLIANCE 159574 0 0 0 0 0 29267 0 21742 0 210583 0 0 0 SUSAN WAITE VP - LENDING 142437 0 0 0 0 0 25952 0 30757 0 199146 0 0 0 CYNTHIA HARRELL VP - OPS SUPPORT 142497 0 0 0 0 0 24628 0 30752 0 197877 0 0 0 STEWART HOLBROOK VP - IT 163310 0 0 0 0 0 6700 0 25708 0 195718 0 0 0 EUGENIE BRIGGS SVP - MARKETING MORTGAGE, AUTO, CREDIT CARDS X 292985 218068 0 1 1 KRISTIN REYNOLDS SVP - HUMAN RESOURCES MORTGAGE, AUTO, CREDIT CARD X 397621 815938 0 1 1 PATRICIA BRICE EVP/CLO/RETAIL MORTGAGE, HELOC, CREDIT CARDS, PERSONAL LOC X 362896 284263 0 1 1 TONIA M NIEDZIALKOWSKI CEO/PRESIDENT MORTGAGE, AUTO, CREDIT CARD X 462689 17394 0 1 1 SUSAN WAITE VP - LENDING HELOC, AUTOS, CREDIT CARDS X 226900 115816 0 1 1 VICTORIA AMEND VP - COLLECTIONS MORTGAGE, CREDIT CARD X 160403 104394 0 1 1 CYNTHIA HARRELL VP - OPERATION SUPPORT MORTGAGE, AUTO, CREDIT CARD, SHARE X 219930 147607 0 1 1 BETH BAVIS VP - MEMBER BUSINESS BANKING AUTO X 10000 182201 0 1 1 TONIA M NIEDZIALKOWSKI CEO/PRESIDENT SPLIT-DOLLAR LOAN X 6100000 6531841 0 1 1 GEORGETTE BENSON SUPERVISORY COMMITTEE MORTGAGE X 95000 96983 0 1 1 JEAN LEWIS DIRECTOR SHARE LOC X 14000 56088 0 0 0 CORDELL BOONE TREASURER HELOC X 43491 42588 0 0 0 ROBERT WRITE DIRECTOR SHARE LOC X 20000 17782 0 0 0 8630963 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. 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.