Credit union · NCUA insured
Point Breeze Credit Union
A $1B credit union headquartered in Hunt Valley, MD, with 67,607 members and 6 branches in Maryland. Best rates: CDs 3.90% and savings 0.10% APY.
Point Breeze Credit Union Carrot Score
72
Carrot Score
Higher than 31% of U.S. banks and credit unions
#28 of 47 in Baltimore, MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Point Breeze Credit Union
- Headquarters
- 11104 McCormick Rd, Hunt Valley, MD 21031-1404
- NCUA charter
- 66585
Branches
6 branches in Maryland
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Maryland
6 branches
Baltimore area · 5
- Hunt ValleyMain office11104 McCormick Rd, Hunt Valley, MD 21031Directions
- Rosedale5 Philadelphia Ct, Baltimore, MD 21237Directions
- Bel Air410 S Atwood Rd, Bel Air, MD 21014Directions
- Owings Mills10110 Reisterstown Rd, Owings Mills, MD 21117Directions
- Westminster405 Englar Rd, Westminster, MD 21157Directions
Philadelphia area · 1
- Perry Point BranchFifth Street, Perry Point, MD 21902Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.02% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.32% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.44% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $80 | $88 | — |
- CapitalNet worth ratio14.02%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.32%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.44%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$80Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Point Breeze Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.