State credit union · Hunt Valley, Maryland · NCUA charter #66585
Point Breeze
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $968.3M
- Total assets
- 67,330
- Members
- 13.6%
- Net-worth ratio
Point Breeze scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $968.3M; members 67,330; net-worth ratio 13.63%; health rank #612 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#612 of 4,374 health · 2025Q4Point Breeze · health 93/100 · $968.3M · 2025Q4
Call Report peers
Point Breeze in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Point Breeze vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Point Breeze sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Point Breeze vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +2.45 pp (13.63% vs 11.18%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -0.42 pp (83.48% vs 83.90%).
Point Breeze: in-state Call Report ranks
- Maryland health ordinal: #9 of 62.
- By total assets, Point Breeze is #10 of 62 in Maryland.
- Maryland membership ordinal: #9 of 62.
- One place up in Maryland, Cedar Point (#8) scores 94/100, 1 point higher; one place down, Masters, Mates & Pilots (Mm&p) (#10) ties at 93/100.
Point Breeze Call Report trajectory
Point Breeze: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $968.3M (2025Q4) to $1.00B (2026Q1).
- Net-worth ratio shifted -0.03 pp (13.66% → 13.63%).
13.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Point Breeze gives up 7 points in total. Return on Assets costs the most, 4.8 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.2 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 14.9 pts
Point Breeze health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.63% | +2.45 pp |
| Delinquency Rate | 0.43% | -0.45 pp |
| Return on Assets | 0.18% | -0.33 pp |
| Member Growth | 3.26% | - |
| Loan-to-Share Ratio | 83.48% | -0.42 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Point Breeze filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.00B | - |
| 2025Q4 | $968.3M | 67,330 |
| 2024Q4 | $950.8M | 65,206 |
| 2023Q4 | $922.5M | 63,871 |
Credit Union Details
- Charter Number
- 66585
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Maryland
- City
- Hunt Valley
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Point Breeze, spread across 6 cities in 2 states.
| Office | City |
|---|---|
| Hunt Valley (Main Office) | Hunt Valley, MD |
| Rosedale | Baltimore, MD |
| Bel Air | Bel Air, MD |
| Owings Mills | Owings Mills, MD |
| Corelation Inc | San Diego, CA |
| Westminster | Westminster, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
Other federally-insured credit unions in Maryland, closest first by peer group and asset size.
Other-state peers near Point Breeze
Using this data
- Point Breeze ranks #612 of 4,374 nationally on financial health and #9 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cedar Point is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cedar Point
Frequently Asked Questions
Is Point Breeze financially healthy?
Point Breeze has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #612 of 4,374 nationally on health and #9 of 62 in Maryland. Its net worth ratio is 13.63% and its delinquency rate 0.43%.
How does Point Breeze compare to other credit unions?
Point Breeze scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.63% vs 11.18%). Its widest shortfall is loan-to-share ratio (83.48% vs 83.90%).
How can I join Point Breeze?
Membership eligibility for Point Breeze depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Point Breeze directly for current membership requirements and application steps.
Is my money safe at Point Breeze?
Point Breeze is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Point Breeze's net worth ratio of 13.63% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.