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
- HEALTH 93/100
- NW 13.6%
- DELQ 0.43%
- ROA 0.18%
- ASSETS $968.3M
- MEM 67,330
- RANK #612/4,374
- PHOTO DEL-ONE
- BOOK 66585
Call Report peers
Point Breeze in the assets neighbourhood
Point Breeze's $968.3M assets sit next to DEL-ONE ($968.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Point Breeze - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66585, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Point Breeze Call Report trajectory
Point Breeze: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $968.3M (2025Q4) to $1.00B (2026Q1).
- Net-worth ratio shifted -0.03 pp (13.66% → 13.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Point Breeze's nationwide photo peers by assets and by health score, excluding Maryland charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($968.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Point Breeze financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - Point Breeze's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #612 of 4,374; by total assets it ranks #478 of 4,374 nationally (same basis as /rankings/largest); and #10 of 62 within Maryland. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.63% net worth ratio and 0.43% delinquency rate are the key drivers.
How does Point Breeze compare to other credit unions?
PlainCU's health composite puts Point Breeze at 93/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Point Breeze are 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."
What rates does Point Breeze offer compared to banks?
Credit unions like Point Breeze are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Point Breeze directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.