POINT BREEZE
Charter #66585 · Hunt Valley, MD · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.63% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.05% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.27% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 83.90% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 0th percentile but its structural peers at the 52nd — a 52-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | POINT BREEZE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.00B | 0th pct | 52th pct |
| Members | 67,607 | 15th pct | 64th pct |
| Net worth ratio | 13.63% | 88th pct | 89th pct |
| Return on average assets | 0.50% | 30th pct | 26th pct |
| Net interest margin | 3.32% | 48th pct | 48th pct |
| Cost of funds | 1.05% | 22th pct | 21th pct |
| Loan-to-share | 80.64% | 34th pct | 38th pct |
| Delinquency 60+ days | 0.27% | 12th pct | 21th pct |
| Net charge-off ratio | 0.23% | 17th pct | 39th pct |
| Loan growth YoY | 1.76% | 50th pct | 51th pct |
| Share growth YoY | 4.72% | 60th pct | 67th pct |
| Efficiency ratio | 83.90% | 88th pct | 80th pct |
structural peer set hash: 41d8afd4e3ebba95197cc98c549dbad9… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.