State credit union · Hunt Valley, Maryland · NCUA charter #66585
Point Breeze
Health score 93/100 (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 - 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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)68
- Member growth86
- Liquidity (loan-to-share)100
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.56% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.56% | 30% |
| Delinquency Rate | 0.43% | 25% |
| Return on Assets | 0.18% | 15% |
| Member Growth | 3.26% | 15% |
| Loan-to-Share Ratio | 83.48% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Point Breeze
Charter #66585, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Point Breeze, a state credit union in Hunt Valley, Maryland with 67,330 members, $968.3M in total assets, and $691.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 93/100 (Excellent), helped by a net worth ratio of 13.56% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.43% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 83.48% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.18% on net income of $1.8M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.26%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Maryland
Other federally-insured credit unions in Maryland, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.56% 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 13.56% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.