POINT BREEZE

Charter #66585 | MD

750M-1B (112 CUs) Community (281 CUs)
3 750M-1B in MD

POINT BREEZE has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 7.7% in tier
  • + Organic Growth Engine: Top 17.6% in tier
  • + Wallet Share Momentum: Top 32.3% in tier
  • + Relationship Depth Leader: Top 35.0% in tier
  • + Members Per Employee (MPE): Top 7.1% in tier
  • + Total Assets: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 23.1% in tier
  • - Liquidity Overhang: Bottom 25.3% in tier
  • - Efficiency Drag: Bottom 26.1% in tier
  • - Credit Quality Pressure: Bottom 29.2% in tier
  • - ROA 0.21% below tier average
  • - Efficiency ratio 7.80% above tier (higher cost structure)
  • - Fee Income Per Member: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 67,900
+4.4% YoY+2.1% QoQ
 +15.8K 52,114
-2.1% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 Top 14.3% in tier
Assets $960.3M
+4.0% YoY-0.8% QoQ
 +$101.3M $859.0M
+0.0% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 Top 9.8% in tier
Loans $682.4M
+8.3% YoY+1.7% QoQ
 +$79.1M $603.4M
+1.0% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 73rd in tier
Deposits $822.5M
+4.5% YoY-1.1% QoQ
 +$88.3M $734.2M
+0.9% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 Top 14.3% in tier
ROA 0.5%
+97.4% YoY-1.9% QoQ
 -0.2% 0.7%
+27.6% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 36th in tier
NIM 3.2%
+15.7% YoY+0.2% QoQ
 -0.2% 3.4%
+9.6% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 38th in tier
Efficiency Ratio 82.3%
-8.2% YoY+1.0% QoQ
 +7.8% 74.5%
-3.2% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 Top 22.3% in tier
Delinquency Rate 0.4%
+1.2% YoY+0.5% QoQ
 -0.4 0.8%
+5.0% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 26th in tier
Loan To Share 83.0%
+3.6% YoY+2.8% QoQ
 +0.3% 82.7%
+0.1% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 39th in tier
AMR $22,163
+1.7% YoY-2.0% QoQ
 $-6K $28,651
+2.5% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 31st in tier
CD Concentration 25.5%
+19.4% YoY+6.8% QoQ
 +1.1% 24.4%
+4.2% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 54th in tier
Indirect Auto % 7.5%
+3.3% YoY+2.9% QoQ
 -6.5% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 49th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#103 of 430 • Top 7.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.44%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#323 of 603 • Top 17.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.44%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.50%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 7.50%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#891 of 1006 • Top 32.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.69%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#964 of 1006 • Top 35.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.69%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.9K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Growth-at-Risk

risk
#347 of 446 • Bottom 23.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 8.30%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Overhang

risk
#392 of 552 • Bottom 25.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.59%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 82.98%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Efficiency Drag

risk
#461 of 521 • Bottom 26.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.32%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.25% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 4.44%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#722 of 736 • Bottom 29.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 112 peers in tier

Top Strengths (7 metrics)

9
Members Per Employee (MPE)
engagement
Value: 534.646
Peer Avg: 361.634
#9 of 112 Top 7.1% in 750M-1B tier
11
Total Assets
balance_sheet
Value: $960.30M
Peer Avg: $859.01M
#11 of 112 Top 8.9% in 750M-1B tier
16
Total Members
engagement
Value: 67,900
Peer Avg: 52,114
#16 of 112 Top 13.4% in 750M-1B tier
16
Total Deposits
balance_sheet
Value: $822.46M
Peer Avg: $734.17M
#16 of 112 Top 13.4% in 750M-1B tier
18
Member Growth Rate
growth
Value: 4.44%
Peer Avg: 1.14%
#18 of 112 Top 15.2% in 750M-1B tier
20
Net Worth Ratio
risk
Value: 13.59%
Peer Avg: 11.52%
#20 of 112 Top 17.0% in 750M-1B tier
25
Net Charge-Off Rate
risk
Value: 0.26%
Peer Avg: 0.61%
#25 of 112 Top 21.4% in 750M-1B tier

Top Weaknesses (3 metrics)

103
Fee Income Per Member
profitability
Value: $116.97
Peer Avg: $204.75
#103 of 112 Bottom 8.9% in 750M-1B tier
95
First Mortgage Concentration (%)
balance_sheet
Value: 48.49%
Peer Avg: 33.64%
#95 of 112 Bottom 16.1% in 750M-1B tier
88
Efficiency Ratio
profitability
Value: 82.32%
Peer Avg: 74.52%
#88 of 112 Bottom 22.3% in 750M-1B tier