Nonprofit · EIN 52-0447180
POINT BREEZE CREDIT UNION
Tax-exempt · HUNT VALLEY, MD 21031
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $42,823,299 | $41,069,203 | $1,754,096 | $950,783,118 | $11,805,514 | $938,977,604 |
| December 31, 2023 | 990 | $33,994,709 | $31,993,899 | $2,000,810 | $922,504,089 | $20,207,344 | $902,296,745 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $36,250,780
- Investment income
- $6,572,519
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $3,412,743
- Other salaries and wages
- $7,620,122
- Salaries, compensation and benefits (total)
- $13,906,300
- Professional fundraising fees
- $0
- Legal fees
- $89,907
- Accounting fees
- $148,701
- Occupancy
- $2,163,462
- Travel
- $24,756
- Depreciation
- $1,607,386
Balance sheet and other
- Total assets, start of year
- $922,504,089
- Total assets, end of year
- $950,783,118
- Total liabilities, end of year
- $11,805,514
- Net assets, end of year
- $938,977,604
- Land, buildings and equipment
- $29,770,242
- Publicly traded securities
- $136,491,919
- Gross unrelated business income
- $78,969
- Gross receipts
- $42,823,299
- Employees
- 152
- Volunteers
- 0
- Year formed
- 1935
- State of legal domicile
- MD
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TONIA M NIEDZIALKOWSKI | PRESIDENT Officer | 40 | $529,306 | $194,981 |
| PATRICIA BRICE | EVP/CLO Officer | 40 | $289,240 | $159,913 |
| KRISTIN REYNOLDS | SVP - HUMAN RESOURCES Officer | 40 | $191,904 | $158,990 |
| MARISA RIVAS | SVP/CFO Officer | 40 | $255,504 | $49,794 |
| JESSE BELL | SVP - MEMBER SERVICES Officer | 40 | $219,192 | $22,734 |
| EUGENIE BRIGGS | SVP - MARKETING Officer | 40 | $183,492 | $50,086 |
| BETH BAVIS | VP - MEMBER BUSINESS BANKI Highest-paid employee | 40 | $176,398 | $47,644 |
| KAREN TRIMP | VP - COMPLIANCE Highest-paid employee | 40 | $159,574 | $51,009 |
| SUSAN WAITE | VP - LENDING Highest-paid employee | 40 | $142,437 | $56,709 |
| CYNTHIA HARRELL | VP - OPS SUPPORT Highest-paid employee | 40 | $142,497 | $55,380 |
| STEWART HOLBROOK | VP - IT Highest-paid employee | 40 | $163,310 | $32,408 |
| DONALD GUNDLACH | CHAIRMAN Trustee or director | 1.18 | $12,578 | $2,000 |
| NORMA STUMPP | DIRECTOR Trustee or director | 0.98 | $10,903 | $200 |
| HELEN MARTINEZ | SECRETARY Trustee or director | 0.77 | $8,162 | $200 |
| DONALD D BEYNON JR | DIRECTOR Trustee or director | 0.79 | $8,145 | $200 |
7 more people on this return
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| WILLIAM R HELMEY | DIRECTOR Trustee or director | 0.55 | $6,167 | $2,000 |
| CORDELL D BOONE | TREASURER Trustee or director | 0.63 | $7,083 | $200 |
| JEAN LEWIS | DIRECTOR Trustee or director | 0.4 | $4,337 | $2,000 |
| ROBERT TWARDZIK | DIRECTOR Trustee or director | 0.5 | $5,422 | $0 |
| ROBERT WRIGHT | DIRECTOR Trustee or director | 0.35 | $4,129 | $0 |
| WILLIAM COCKEY | SUPERVISORY COMMITTEE Trustee or director | 0.19 | $3,881 | $0 |
| GEORGETTE BENSON | SUPERVISORY COMMITTEE Trustee or director | 0.17 | $2,634 | $0 |
990 for the year ended December 31, 2023: 23 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TONIA M NIEDZIALKOWSKI | PRESIDENT Officer | 40 | $467,789 | $192,586 |
| PATRICIA BRICE | EVP/CLO Officer | 40 | $259,165 | $157,532 |
| KRISTIN REYNOLDS | SVP - HUMAN RESOURCES Officer | 40 | $180,833 | $154,701 |
| MARISA RIVAS | SVP/CFO Officer | 40 | $238,157 | $52,593 |
| TIM BAUM | SVP/CIO Officer | 40 | $210,162 | $42,708 |
| EUGENIE BRIGGS | SVP - MARKETING Officer | 40 | $162,385 | $46,099 |
| JESSE BELL | SVP - MEMBER SERVICES Officer | 40 | $195,033 | $11,339 |
| BETH BAVIS | VP - MEMBER BUSINESS BANKI Highest-paid employee | 40 | $156,700 | $44,641 |
| STEWART HOLBROOK | VP - IT Highest-paid employee | 40 | $148,700 | $38,870 |
| KAREN TRIMP | VP - COMPLIANCE Highest-paid employee | 40 | $135,989 | $44,427 |
| SUSAN WAITE | VP - LENDING Highest-paid employee | 40 | $127,189 | $53,210 |
| CYNTHIA HARRELL | VP - OPS SUPPORT Highest-paid employee | 40 | $123,626 | $47,624 |
| JEAN LEWIS | DIRECTOR Trustee or director | 0.23 | $4,741 | $12,800 |
| DONALD GUNDLACH | CHAIRMAN Trustee or director | 1.02 | $12,836 | $2,000 |
| NORMA STUMPP | DIRECTOR Trustee or director | 0.73 | $9,749 | $200 |
| WILLIAM R HELMEY | DIRECTOR Trustee or director | 0.42 | $6,628 | $2,000 |
| DONALD D BEYNON JR | DIRECTOR Trustee or director | 0.62 | $8,144 | $200 |
| CORDELL D BOONE | TREASURER Trustee or director | 0.69 | $6,886 | $200 |
| HELEN MARTINEZ | SECRETARY Trustee or director | 0.52 | $6,591 | $200 |
| ROBERT TWARDZIK | DIRECTOR Trustee or director | 0.25 | $5,055 | $0 |
| WILLIAM COCKEY | SUPERVISORY COMMITTEE Trustee or director | 0.31 | $4,711 | $0 |
| GEORGETTE BENSON | SUPERVISORY COMMITTEE Trustee or director | 0.19 | $4,478 | $0 |
| MICHAEL J GALLAGHER | VICE CHAIRMAN Trustee or director | 0.13 | $400 | $0 |
Address and contacts
- Address (IRS master file)
- 11104 MCCORMICK RD, HUNT VALLEY, MD 21031-1404
- Principal officer (990 for 2024)
- TONIA NIEDZIALKOWSKI, 11104 MCCORMICK ROAD, HUNT VALLEY, MD 21031
- Signed the 990
- MARISA RIVAS, SVP/CFO
- Phone
- (410) 584-7228
- Website
- WWW.PBCU.COM
- Return prepared by
- YOUNT HYDE & BARBOUR PC
Mission
OUR MISSION IS TO PROVIDE QUALITY FINANCIAL SOLUTIONS FOR EVERY MEMBER.
Program accomplishments
- POINT BREEZE CREDIT UNION PROVIDES LENDING AND DEPOSIT SERVICES TO ITS APPROXIMATELY 65,206 MEMBERS.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 52-0447180
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1998
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $950,783,118
- Income (IRS master file)
- $42,823,299
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $42,823,299 | $41,069,203 | $950,783,118 | XML |
| 990 | December 2023 | $33,994,709 | $31,993,899 | $922,504,089 | XML |
| 990 | December 2022 | $30,117,065 | $27,963,175 | $947,157,705 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 52-0447180).
Questions about POINT BREEZE CREDIT UNION
- What is the EIN of POINT BREEZE CREDIT UNION?
- The employer identification number (EIN) of POINT BREEZE CREDIT UNION is 52-0447180.
- Is POINT BREEZE CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1998.
- Are donations to POINT BREEZE CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does POINT BREEZE CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of POINT BREEZE CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did POINT BREEZE CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of POINT BREEZE CREDIT UNION?
- The 990 for the year ended December 31, 2024 names TONIA NIEDZIALKOWSKI.
- Who are the officers and directors of POINT BREEZE CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 22 people; 22 received compensation from the organization, the highest $529,306 (TONIA M NIEDZIALKOWSKI, PRESIDENT).
- How much revenue does POINT BREEZE CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $42,823,299, expenses of $41,069,203 and total assets of $950,783,118 at year end.
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