Point Breeze Credit Union

Hunt Valley, MD
Tax-exempt since March 1998
EIN: 52-0447180

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Type of Nonprofit

Designated as a 501(c)(14) State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Details

According to its Dec. 2023 tax filing, this nonprofit:

Reported conflict of interest transactions

Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Revenue

$34M (2023)

Expenses

$32M (2023)

Total Assets

$923M (2023)

Total Liabilities

$20.2M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Revenue

$33,994,709

Expenses

$31,993,899

Net Income

$2,000,810

Net Assets

$902,296,745

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$30,500,503	89.7%
Investment Income	$3,600,611	10.6%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$106,405
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$3,379,877	10.6%
Professional Fundraising Fees	$0
Other Salaries and Wages	$6,680,563	20.9%

Assets/Debt
Total Assets	$922,504,089
Total Liabilities	$20,207,344
Net Assets	$902,296,745

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Tonia M Niedzialkowski (President)	$467,789	$0	$192,586
Patricia Brice (Evp/Clo)	$259,165	$0	$157,532
Marisa Rivas (Svp/Cfo)	$238,157	$0	$52,593
Tim Baum (Svp/Cio)	$210,162	$0	$42,708
Jesse Bell (Svp Member Services)	$195,033	$0	$11,339
Kristin Reynolds (Svp Human Resources)	$180,833	$0	$154,701
Eugenie Briggs (Svp Marketing)	$162,385	$0	$46,099
Beth Bavis (Vp Member Business Banki)	$156,700	$0	$44,641
Stewart Holbrook (Vp It)	$148,700	$0	$38,870
Karen Trimp (Vp Compliance)	$135,989	$0	$44,427
Susan Waite (Vp Lending)	$127,189	$0	$53,210
Cynthia Harrell (Vp Ops Support)	$123,626	$0	$47,624
Donald Gundlach (Chairman)	$12,836	$0	$2,000
Norma Stumpp (Director)	$9,749	$0	$200
Donald D Beynon Jr (Director)	$8,144	$0	$200
Cordell D Boone (Treasurer)	$6,886	$0	$200
William R Helmey (Director)	$6,628	$0	$2,000
Helen Martinez (Secretary)	$6,591	$0	$200
Robert Twardzik (Director)	$5,055	$0	$0
Jean Lewis (Director)	$4,741	$0	$12,800
William Cockey (Supervisory Committee)	$4,711	$0	$0
Georgette Benson (Supervisory Committee)	$4,478	$0	$0
Michael J Gallagher (Vice Chairman)	$400	$0	$0

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990

Filed on Nov. 15, 2024

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Fiscal Year Ending Dec.
2022

Revenue

$30,117,065

Expenses

$27,963,175

Net Income

$2,153,890

Net Assets

$930,509,702

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$26,756,991	88.8%
Investment Income	$3,348,424	11.1%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$11,650	0.0%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$2,666,351	9.5%
Professional Fundraising Fees	$0
Other Salaries and Wages	$6,882,287	24.6%

Assets/Debt
Total Assets	$947,157,705
Total Liabilities	$16,648,003
Net Assets	$930,509,702

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Tonia M Niedzialkowski (President)	$410,874	$0	$187,601
Patricia Brice (Evp/Clo)	$239,185	$0	$154,311
Marisa Ehrlich (Svp/Cfo)	$223,109	$0	$50,943
Kristin Reynolds (Svp Human Resources)	$173,738	$0	$153,265
Eugenie Briggs (Svp Marketing)	$153,468	$0	$44,545
Beth Bavis (Vp Member Business Banking)	$151,624	$0	$43,830
Stewart Holbrook (Vp It)	$142,568	$0	$38,086
Karen Trimp (Vp Compliance)	$130,852	$0	$43,053
Tim Baum (Svp/Cio)	$126,944	$0	$12,778
Susan Waite (Vp Lending)	$123,447	$0	$51,939
Shannon Carter (Relationship Dev. Manager)	$121,012	$0	$39,988
Jesse Bell (Svp Member Services)	$82,561	$0	$720
Donald Gundlach (Chairman)	$10,200	$0	$12,800
Michael J Gallagher (Vice Chairman)	$10,200	$0	$0
William R Helmey (Director)	$8,250	$0	$2,000
Helen Martinez (Secretary)	$6,000	$0	$200
Cordell D Boone (Treasurer)	$4,650	$0	$200
Donald D Beynon Jr (Director)	$3,300	$0	$200
William Cockey (Supervisory Committee)	$2,280	$0	$0
Jean Lewis (Director)	$2,250	$0	$200
Norma Stumpp (Director)	$1,500	$0	$0
Howard W Uhl (Director)	$840	$0	$0
Georgette Benson (Supervisory Committee)	$840	$0	$0

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990

Filed on Nov. 15, 2023

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Fiscal Year Ending Dec.
2021

Revenue

$29,545,819

Expenses

$26,854,052

Net Income

$2,691,767

Net Assets

$931,643,356

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$25,552,169	86.5%
Investment Income	$2,683,156	9.1%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$1,310,494	4.4%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$3,611,780	13.4%
Professional Fundraising Fees	$0
Other Salaries and Wages	$6,233,662	23.2%

Assets/Debt
Total Assets	$935,513,107
Total Liabilities	$3,869,751
Net Assets	$931,643,356

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Bernard G Mclaughlin (Ceo)	$645,180	$0	$72,332
Tonia M Niedzialkowski (President)	$325,541	$0	$170,138
Patricia Brice (Svp/Clo)	$210,740	$0	$151,453
Kimberly Mangrum (Svp Member Services)	$206,161	$0	$146,140
Marisa Ehrlich (Svp/Cfo)	$201,326	$0	$41,766
Kristin Reynolds (Svp Human Resources)	$167,465	$0	$152,017
Beth Bavis (Vp Member Business Lendi)	$147,739	$0	$42,960
Eugenie Briggs (Svp Marketing)	$145,360	$0	$42,861
Stewart Holbrook (Vp It)	$140,304	$0	$36,900
Karen Trimp (Vp Compliance)	$127,434	$0	$42,121
Susan Waite (Vp Lending)	$119,607	$0	$50,343
Shannon Carter (Office Admin Mgr)	$117,568	$0	$45,064
Donald Gundlach (Chairman)	$13,050	$0	$200
Michael J Gallagher (Vice Chairman)	$11,100	$0	$0
Howard W Uhl (Director)	$6,480	$0	$0
Lynn B Finckel (Secretary)	$6,450	$0	$200
William R Helmey (Director)	$4,650	$0	$2,000
Jean Lewis (Director)	$4,200	$0	$200
Donald D Beynon Jr (Director)	$4,050	$0	$200
Helen Martinez (Supervisory Committee)	$3,600	$0	$200
Cordell D Boone (Treasurer)	$3,600	$0	$200
William Cockey (Supervisory Committee)	$2,400	$0	$0
John Wilt (Supervisory Committee)	$480	$0	$0

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990

Filed on Nov. 9, 2022

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Fiscal Year Ending Dec.
2020

Revenue

$29,502,603

Expenses

$26,502,357

Net Income

$3,000,246

Net Assets

$866,492,106

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$25,672,620	87.0%
Investment Income	$3,829,983	13.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$3,373,967	12.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$6,206,712	23.4%

Assets/Debt
Total Assets	$870,833,707
Total Liabilities	$4,341,601
Net Assets	$866,492,106

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Bernard G Mc Laughlin (Ceo)	$617,909	$0	$69,702
Tonia M Niedzialkowski (President)	$279,866	$0	$176,623
Patricia Brice (Svp/Clo)	$199,829	$0	$158,002
Kimberly Mangrum (Svp Member Services)	$198,267	$0	$145,026
Kristin Reynolds (Svp Human Resources)	$162,301	$0	$150,799
Beth Bavis (Vp Member Business Lendi)	$143,857	$0	$42,202
Eugenie Briggs (Svp Marketing)	$139,221	$0	$39,961
Stewart Holbrook (Vp It)	$137,284	$0	$36,283
Karen Trimp (Vp Compliance)	$123,763	$0	$47,063
Susan Waite (Vp Lending)	$117,856	$0	$49,504
Cynthia Harrell (Vp Operation Support)	$117,628	$0	$48,444
Marisa Ehrlich (Svp/Cfo)	$97,480	$0	$12,457
Michael J Gallagher (Vice Chairman)	$12,750	$0	$0
Donald Gundlach (Chairman)	$11,550	$0	$200
Howard W Uhl (Director)	$7,830	$0	$0
Lynn B Finckel (Secretary)	$6,900	$0	$200
William R Helmey (Director)	$6,300	$0	$2,000
Cordell D Boone (Treasurer)	$5,850	$0	$200
Donald D Beynon Jr (Director)	$5,100	$0	$200
Jean Lewis (Director)	$2,400	$0	$200
William Cockey (Supervisory Committee)	$720	$0	$0
Jack Wilt (Supervisory Committee)	$120	$0	$0
Helen Martinez (Supervisory Committee)	$120	$0	$0

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990

Filed on Nov. 11, 2021

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Fiscal Year Ending Dec.
2019

Revenue

$32,259,330

Expenses

$27,343,377

Net Income

$4,915,953

Net Assets

$769,238,750

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$26,457,807	82.0%
Investment Income	$5,791,946	18.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$9,577	0.0%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$3,076,452	11.3%
Professional Fundraising Fees	$0
Other Salaries and Wages	$5,946,655	21.7%

Assets/Debt
Total Assets	$773,853,745
Total Liabilities	$4,614,995
Net Assets	$769,238,750

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Bernard G Mc Laughlin (President/Ceo)	$568,946	$0	$78,101
Tonia M Niedzialkowski (Evp/Coo)	$257,848	$0	$171,288
Kimberly Mangrum (Svp Member Services)	$185,901	$0	$139,358
Patricia Brice (Svp/Clo)	$184,894	$0	$156,492
Kristin Reynolds (Svp Human Resources)	$155,794	$0	$146,359
Eugenie Briggs (Svp Marketing)	$131,213	$0	$29,958
Stewart Holbrook (Vp It)	$129,502	$0	$34,333
Beth Bavis (Vp Member Business Lending)	$126,842	$0	$25,018
Cynthia Harrel (Vp Operation Suppor)	$120,975	$0	$46,058
Karen Trimp (Vp Compliance)	$120,259	$0	$45,938
Victoria Amend (Vp Collections)	$111,008	$0	$41,337
Donald Gundlach (Chairman)	$10,500	$0	$200
Michael J Gallagher (Vice Chairman)	$9,600	$0	$0
Cordell D Boone (Treasurer)	$6,750	$0	$200
Howard W Uhl (Director)	$6,330	$0	$0
Lynn B Finckel (Secretary)	$5,100	$0	$200
William R Helmey (Director)	$4,500	$0	$12,800
Donald D Beynon Jr (Director)	$3,600	$0	$200
Jean Lewis (Director)	$3,450	$0	$200
William Cockey (Supervisory Committee)	$2,640	$0	$0
Jack Wilt (Supervisory Committee)	$1,680	$0	$0
Helen Martinez (Supervisory Committee)	$1,080	$0	$0

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990

Filed on Nov. 16, 2020

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Fiscal Year Ending Dec.
2018

Revenue

$29,294,391

Expenses

$25,234,636

Net Income

$4,059,755

Net Assets

$762,883,595

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$24,306,283	83.0%
Investment Income	$5,039,107	17.2%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	-$50,999

Notable Expenses		Percent of Total Expenses
Executive Compensation	$3,574,091	14.2%
Professional Fundraising Fees	$0
Other Salaries and Wages	$4,164,298	16.5%

Assets/Debt
Total Assets	$766,117,381
Total Liabilities	$3,233,786
Net Assets	$762,883,595

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Patricia Brice (Svp Lending)	$917,972	$0	$58,125
Tonia M Niedzialkowski (Chief Financial Officer)	$832,328	$0	$62,659
Bernard G Mc Laughlin (President/Ceo)	$525,172	$0	$64,600
Kimberly Mangrum (Svp Member Services)	$167,822	$0	$35,610
Kristin Reynolds (Vp Human Resources)	$137,208	$0	$40,889
Eugenie Briggs (Svp Marketing)	$122,702	$0	$28,056
Stewart Holbrook (Vp It)	$122,008	$0	$26,870
Karen Trimp (Vp Compliance)	$114,976	$0	$41,884
Cynthia Harrel (Manager Operation Suppor)	$114,696	$0	$43,867
Ralph S Pagano (Treasurer)	$17,767	$0	$2,000
Donna Banning (Former Director)	$16,000	$0	$0
William L Ramsey (Former Director)	$16,000	$0	$0
Michael J Gallagher (Chairman)	$11,700	$0	$0
Donald Gundlach (Director)	$11,250	$0	$200
Howard W Uhl (Director)	$8,520	$0	$0
Lynn B Finckel (Secretary)	$5,400	$0	$200
William R Helmey (Director)	$4,950	$0	$200
Cordell D Boone (Director)	$4,890	$0	$0
Jean Lewis (Director)	$3,900	$0	$200
Joseph R Palladino (Supervisory Committee)	$3,480	$0	$0
Donald D Beynon Jr (Supervisory Committee)	$3,210	$0	$0
Dorothy F Olszewski (Supervisory Committee)	$2,700	$0	$0
Jack Wilt (Supervisory Committee)	$2,040	$0	$0
William Cockey (Supervisory Committee)	$2,040	$0	$0

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990

Filed on Nov. 5, 2019

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Fiscal Year Ending Dec.
2017

Revenue

$26,820,138

Expenses

$23,175,096

Net Income

$3,645,042

Net Assets

$749,846,356

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$22,271,368	83.0%
Investment Income	$4,548,770	17.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$2,190,587	9.5%
Professional Fundraising Fees	$0
Other Salaries and Wages	$5,052,348	21.8%

Assets/Debt
Total Assets	$754,523,704
Total Liabilities	$4,677,348
Net Assets	$749,846,356

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Bernard G Mc Laughlin (President/Ceo)	$486,259	$0	$68,235
Tonia M Niedzialkowski (Chief Financial Officer)	$217,100	$0	$134,801
Patricia Brice (Svp Lending)	$151,937	$0	$117,392
Kimberly Mangrum (Svp Member Services)	$149,266	$0	$33,334
Kristin Reynolds (Vp Human Resources)	$127,725	$0	$37,957
Eugenie Briggs (Svp Marketing)	$117,051	$0	$25,288
Cynthia Harrel (Manager Operation Support)	$113,068	$0	$40,757
Karen Trimp (Vp Compliance)	$111,037	$0	$40,197
Stewart Holbrook (Vp It)	$108,336	$0	$22,527
Dominic L Conoscenti (Former Director)	$14,000	$0	$0
Ralph S Pagano (Treasurer)	$13,800	$0	$2,000
Michael J Gallagher (Chairman)	$10,200	$0	$0
Donald Gundlach (Director)	$9,150	$0	$200
Howard W Uhl (Director)	$8,220	$0	$0
William R Helmey (Director)	$4,650	$0	$200
Dorothy F Olszewski (Supervisory Committee)	$4,500	$0	$0
Jean Lewis (Director)	$4,200	$0	$200
Donna L Banning (Director)	$3,900	$0	$0
William L Ramsey (Director)	$3,600	$0	$0
Donald D Beynon Jr (Supervisory Committee)	$3,000	$0	$0
Joseph R Palladino (Supervisory Committee)	$2,760	$0	$0
Lynn B Finckel (Secretary)	$2,700	$0	$200
Cordell D Boone (Director)	$840	$0	$0

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990

Filed on Nov. 12, 2018

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Fiscal Year Ending Dec.
2016

Revenue

$24,834,436

Expenses

$20,665,101

Net Income

$4,169,335

Net Assets

$741,155,915

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$20,631,152	83.1%
Investment Income	$4,191,236	16.9%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$12,048	0.0%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,823,229	8.8%
Professional Fundraising Fees	$0
Other Salaries and Wages	$4,652,204	22.5%

Assets/Debt
Total Assets	$746,440,396
Total Liabilities	$5,284,481
Net Assets	$741,155,915

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Bernard G Mc Laughlin (President/Ceo)	$459,664	$0	$69,618
Tonia M Niedzialkowski (Chief Financial Officer)	$199,854	$0	$132,655
Patricia Brice (Svp Lending)	$141,275	$0	$111,153
Kimberly Mangrum (Svp Member Services)	$139,745	$0	$32,611
Kristin Reynolds (Vp Human Resources)	$116,149	$0	$36,564
Eugenie Briggs (Svp Marketing)	$109,475	$0	$24,648
Karen Trimp (Vp Compliance)	$103,334	$0	$39,474
Ralph S Pagano (Treasurer)	$14,550	$0	$2,000
Dominic L Conoscenti (Director)	$14,000	$0	$0
Michael J Gallagher (Chairman)	$11,700	$0	$0
Howard W Uhl (Director)	$7,740	$0	$0
William B Davis Jr (Secretary)	$6,300	$0	$0
Donald Gundlach (Director)	$5,850	$0	$200
Joseph Marschall (Director)	$5,700	$0	$12,800
William R Helmey (Director)	$5,550	$0	$200
Donna L Banning (Director)	$5,400	$0	$0
Dorothy F Olszewski (Supervisory Committee)	$4,140	$0	$0
William L Ramsey (Director)	$3,150	$0	$0
Joseph R Palladino (Supervisory Committee)	$2,760	$0	$0
Donald D Beynon Jr (Supervisory Committee)	$2,520	$0	$0
Jean Lewis (Director)	$2,250	$0	$200

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990

Filed on Sept. 18, 2017

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Fiscal Year Ending Dec.
2015

Revenue

$22,551,660

Expenses

$18,119,716

Net Income

$4,431,944

Net Assets

$730,618,396

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$18,588,556	82.4%
Investment Income	$3,963,104	17.6%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,730,601	9.6%
Professional Fundraising Fees	$0
Other Salaries and Wages	$4,713,944	26.0%

Assets/Debt
Total Assets	$734,856,489
Total Liabilities	$4,238,093
Net Assets	$730,618,396

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Bernard G Mc Laughlin (President/Ceo)	$418,080	$0	$62,640
Tonia M Niedzialkowski (Chief Financial Officer)	$194,552	$0	$130,765
Kimberly Mangrum (Svp Member Services)	$137,731	$0	$31,707
Patricia Harrison (Svp Lending)	$132,594	$0	$108,225
Kristin Reynolds (Vp Human Resources)	$113,787	$0	$33,364
Eugenie Briggs (Svp Marketing)	$105,012	$0	$23,057
Cynthia Harrell (Operations Support Mgr)	$102,872	$0	$38,685
Dominic L Conoscenti (Director)	$14,300	$0	$0
Ralph S Pagano (Treasurer)	$12,900	$0	$2,000
Michael J Gallagher (Chairman)	$10,500	$0	$0
William B Davis Jr (Secretary)	$9,750	$0	$2,000
Howard W Uhl (Director)	$9,660	$0	$0
William R Helmey (Director)	$6,630	$0	$200
Joseph Marschall (Director)	$5,700	$0	$200
Donna L Banning (Director)	$5,400	$0	$0
Dorothy F Olszewski (Supervisory Committee)	$4,410	$0	$0
William L Ramsey (Director)	$3,900	$0	$0
Donald D Beynon Jr (Supervisory Committee)	$3,480	$0	$0
Donald Gundlach (Director)	$3,300	$0	$200
Joseph R Palladino (Supervisory Committee)	$3,000	$0	$0

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990

Filed on Oct. 17, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

PDF XML

PDF (2 of 2)

Fiscal Year Ending Dec.
2014

Revenue

$21,270,533

Expenses

$16,547,349

Net Income

$4,723,184

Net Assets

$717,182,922

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$17,472,803	82.1%
Investment Income	$3,797,730	17.9%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$2,258,769	13.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$3,555,991	21.5%

Assets/Debt
Total Assets	$723,937,352
Total Liabilities	$6,754,430
Net Assets	$717,182,922

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Judy L Cross (Former Senior Vice President)	$760,769	$0	$0
Bernard G Mc Laughlin (President/Ceo)	$404,000	$0	$60,263
Tonia M Niedzialkowski (Chief Financial Officer)	$176,350	$0	$123,808
Patricia Harrison (Svp Lending)	$125,788	$0	$107,099
Kimberly Mangrum (Svp Member Services)	$111,250	$0	$19,201
Kristin Reynolds (Vp Human Resources)	$110,700	$0	$32,323
Cynthia Harrell (Operations Support Mgr)	$104,818	$0	$35,760
Ralph S Pagano (Treasurer)	$12,600	$0	$2,000
Michael J Gallagher (Chairman)	$9,900	$0	$0
William B Davis Jr (Secretary)	$9,600	$0	$2,000
Howard W Uhl (Director)	$7,260	$0	$0
William R Helmey (Supervisory Committee)	$6,630	$0	$200
Joseph Marschall (Director)	$5,250	$0	$200
William L Ramsey (Director)	$4,500	$0	$2,000
Dorothy F Olszewski (Supervisory Committee)	$4,500	$0	$0
Donna L Banning (Director)	$3,450	$0	$0
William J Burton (Supervisory Committee)	$3,240	$0	$0
Donald Gundlach (Supervisory Committee)	$3,240	$0	$0
Donald D Beynon Jr (Supervisory Committee)	$2,880	$0	$0
Joseph R Palladino (Supervisory Committee)	$2,640	$0	$0
Dominic L Conoscenti (Director)	$2,550	$0	$2,000

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990

Filed on Nov. 13, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2013

Revenue

$23,435,281

Expenses

$18,380,724

Net Income

$5,054,557

Net Assets

$717,105,621

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$20,346,227	86.8%
Investment Income	$3,089,054	13.2%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,741,635	9.5%
Professional Fundraising Fees	$0
Other Salaries and Wages	$4,281,941	23.3%

Assets/Debt
Total Assets	$721,186,712
Total Liabilities	$4,081,091
Net Assets	$717,105,621

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Bernard G Mc Laughlin (President/Ceo)	$336,147	$0	$16,881
Judy L Cross (Senior Vice President)	$230,616	$0	$432,041
Tonia M Niedzialkowski (Chief Financial Officer)	$156,516	$0	$117,960
Patricia Harrison (Vice Pres Lending)	$113,554	$0	$104,677
Kristin Reynolds (Human Resources Director)	$100,635	$0	$27,728
Ralph S Pagano (Treasurer)	$17,250	$0	$2,000
Michael J Gallagher (Chairman)	$14,880	$0	$0
William B Davis Jr (Secretary)	$13,560	$0	$2,000
Howard W Uhl (Director)	$9,090	$0	$0
William R Helmey (Supervisory Committee)	$6,720	$0	$200
Joseph Marschall (Director)	$6,150	$0	$200
William L Ramsey (Director)	$5,400	$0	$2,000
Donna L Banning (Director)	$4,650	$0	$0
William J Burton (Supervisory Committee)	$4,560	$0	$0
Dorothy F Olszewski (Supervisory Committee)	$4,500	$0	$0
Dominic L Conoscenti (Director)	$3,600	$0	$2,000
Donald Gundlach (Supervisory Committee)	$3,360	$0	$0
Joseph R Palladino (Supervisory Committee)	$2,760	$0	$0

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990

Filed on Nov. 13, 2014

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing

Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2012

Revenue

$21,481,753

Expenses

$18,010,029

Net Income

$3,471,724

Net Assets

$716,144,008

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$18,119,409	84.3%
Investment Income	$3,362,344	15.7%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,243,518	6.9%
Professional Fundraising Fees	$0
Other Salaries and Wages	$4,008,697	22.3%

Assets/Debt
Total Assets	$724,912,442
Total Liabilities	$8,768,434
Net Assets	$716,144,008

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Revenue

$23,193,925

Expenses

$23,704,735

Net Income

-$510,810

Net Assets

$697,789,000

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$19,077,613	82.3%
Investment Income	$4,116,312	17.7%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,408,316	5.9%
Professional Fundraising Fees	$0
Other Salaries and Wages	$3,793,007	16.0%

Assets/Debt
Total Assets	$705,312,494
Total Liabilities	$7,523,494
Net Assets	$697,789,000

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

PDF (2 of 2)

Fiscal Year Ending Dec.
2004

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

Raw filing data. Includes EINs and summary financials as structured data.
Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

Updated December 20, 2024

Point Breeze Credit Union

Organization summary

Type of Nonprofit

Details

Summary charts: organization finances over time

Revenue $34M (2023)

Expenses $32M (2023)

Total Assets $923M (2023)

Total Liabilities $20.2M (2023)

Tax Filings by Year

Fiscal Year Ending Dec. 2023

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2022

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2021

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2020

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2019

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2018

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2017

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2016

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2015

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2014

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Revenue

$34M (2023)

Expenses

$32M (2023)

Total Assets

$923M (2023)

Total Liabilities

$20.2M (2023)

Fiscal Year Ending Dec.
2023

Fiscal Year Ending Dec.
2022

Fiscal Year Ending Dec.
2021

Fiscal Year Ending Dec.
2020

Fiscal Year Ending Dec.
2019

Fiscal Year Ending Dec.
2018

Fiscal Year Ending Dec.
2017

Fiscal Year Ending Dec.
2016

Fiscal Year Ending Dec.
2015

Fiscal Year Ending Dec.
2014

Fiscal Year Ending Dec.
2013

Fiscal Year Ending Dec.
2012

Fiscal Year Ending Dec.
2011

Fiscal Year Ending Dec.
2010

Fiscal Year Ending Dec.
2009

Fiscal Year Ending Dec.
2008

Fiscal Year Ending Dec.
2007

Fiscal Year Ending Dec.
2006

Fiscal Year Ending Dec.
2005

Fiscal Year Ending Dec.
2004