Point Breeze Credit Union Hunt Valley, Maryland
Point Breeze Credit Union is a state-chartered credit union headquartered in Hunt Valley, MD, established in 1935 (NCUA charter 66585), and it is regulated and insured by the NCUA. At Q2 2026 it reported 72,869 members and total assets of $1.06B (up 9.7% from Q2 2025), the 10th largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 14.02% at Q2 2026, in the well capitalized band.
Also written as Point Breeze CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66585
- Headquarters
- Hunt Valley, MD
- Established
- 1935
- Total assets, Q2 2026
- $1.06B
- Assets vs Q2 2025
- +9.7%
- Members, Q2 2026
- 72,869
- Net worth ratio, Q2 2026
- 14.02%
- Latest call report
- Q2 2026, NCUA 5300 · Point Breeze Credit Union call report
- Asset rank in state
- 10th of 58 in Maryland
- Routing number
- 252076565
- Branches
- 6
It has 6,388 more members than on June 30, 2025 (+9.6%). Its net worth ratio was up 0.42 percentage points from 13.60% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $449.6M of $729.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.32% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 14.02% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Maryland
Credit unions merged into Point Breeze Credit Union
Frequently asked about Point Breeze Credit Union
How big is Point Breeze Credit Union?
At Q2 2026 it reported total assets of $1.06B and 72,869 members.
Where is Point Breeze Credit Union headquartered?
It is headquartered in Hunt Valley, MD, United States.
When was Point Breeze Credit Union founded?
It was established in 1935, per NCUA records.
Is Point Breeze Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66585): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Point Breeze Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Point Breeze Credit Union well capitalized?
Its net worth ratio was 14.02% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Point Breeze Credit Union's delinquency ratio?
Its delinquency ratio was 0.32% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Point Breeze Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 79.79% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Hunt Valley, MD 21031
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 66585
- RSSD ID
- 225090
- Members
- 72,869
- Potential members
- 369,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 14.02% | 10.89% | 86th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.38% | 0.89% | 15th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 2.88% | 8.07% | 12th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.32% | 3.45% | 42nd below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 87.58% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.02% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.32% | 0.68% | 88th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.34% | 5.12% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 79.79% | 88.03% | 29th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.06B total assets against $968.0M; $914.1M total shares and deposits against $831.6M; $729.4M total loans against $671.2M.
$140.0M net worth against $129.1M.
14.02% net worth ratio against 13.60%.
79.79% loan-to-share ratio against 80.71%.
0.32% delinquency ratio against 0.44%.
0.38% return on assets against 0.61%; 2.88% return on equity against 4.59%.
3.32% net interest margin against 3.29%.
72,869 members against 66,481.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.02% | 0.38% | 0.32% | 79.79% |
| March 31, 2026 | 13.63% | 0.49% | 0.27% | 80.64% |
| December 31, 2025 | 13.66% | 0.56% | 0.43% | 83.48% |
| September 30, 2025 | 13.59% | 0.49% | 0.45% | 82.98% |
| June 30, 2025 | 13.60% | 0.61% | 0.44% | 80.71% |
| March 31, 2025 | 13.57% | 0.41% | 0.43% | 78.61% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.