Point Breeze
Hunt Valley, MD · Charter 66585 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 5 branches
Q2 2026
$1.1BAssets
$729.4MLoans
$914.1MShares
$140.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 88% of credit unions $1B-$10B in assets (rank 54 of 435).
- Widest gap: efficiency ratio trails 94% of credit unions $1B-$10B in assets (rank 411 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.42%
Rank 361 of 435
Net Interest Margin
3.20%
Rank 274 of 435
Efficiency Ratio
85.80%
Rank 411 of 435
Equity / Assets
13.18%
Rank 85 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.55% | 0.81% | 1.14% | Beats 17% | 361 / 435 | |
| Return on Equity | 3.19% | 5.12% | 7.41% | 9.70% | Beats 12% | 382 / 435 | |
| Net Interest Margin | 3.20% | 3.01% | 3.39% | 3.75% | Beats 37% | 274 / 435 | |
| Efficiency Ratio | 85.80% | 65.25% | 71.39% | 77.86% | Beats 6% | 411 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.45% | 0.69% | 1.05% | Beats 88% | 54 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.18% | 9.81% | 10.84% | 12.63% | Beats 80% | 85 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.18% | 9.81% | 10.84% | 12.63% | Beats 80% | 85 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 79.79% | 78.33% | 88.38% | 95.61% | 28th pctl | 312 / 435 | |
| Loans / Assets | 68.67% | 67.69% | 74.58% | 80.80% | 28th pctl | 315 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |