POINT BREEZE CREDIT UNION (EIN 520447180) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1935

Legal Domicile

Principal Officer

TONIA NIEDZIALKOWSKI

Phone

4105847228

Tax Period

2023-01-01 to 2023-12-31

POINT BREEZE CREDIT UNION, founded in 1935, is a mid-sized nonprofit that reported $34.0M in total revenue in fiscal year 2023. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $32.0M left a modest 6% surplus.

Mission

STATE CHARTERED CREDIT UNION

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $30,500,503

Investment Income $3,494,206

Other Revenue $0

TOTAL REVENUE $33,994,709

Expense Breakdown

Grants Paid $0

Salaries & Benefits $12,799,327

Fundraising Expenses $0

Other Expenses $19,194,572

TOTAL EXPENSES $31,993,899

Year-over-Year Comparison

	2023	2022	Change
Revenue	$33,994,709	$30,117,065	+0.1%
Expenses	$31,993,899	$27,963,175	+0.1%
Net Income	$2,000,810	$2,153,890	-0.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

161

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$2,371,082

Total Directors

$87,819

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DONALD GUNDLACH	CHAIRMAN	1.02	Director	$12,836	$2,000	$14,836
JEAN LEWIS	DIRECTOR	0.23	Director	$4,741	$12,800	$17,541
WILLIAM R HELMEY	DIRECTOR	0.42	Director	$6,628	$2,000	$8,628
DONALD D BEYNON JR	DIRECTOR	0.62	Director	$8,144	$200	$8,344
WILLIAM COCKEY	SUPERVISORY COMMITTEE	0.31	Director	$4,711	$0	$4,711
HELEN MARTINEZ	SECRETARY	0.52	Director	$6,591	$200	$6,791
CORDELL D BOONE	TREASURER	0.69	Director	$6,886	$200	$7,086
MICHAEL J GALLAGHER	VICE CHAIRMAN	0.13	Director	$400	$0	$400
NORMA STUMPP	DIRECTOR	0.73	Director	$9,749	$200	$9,949
GEORGETTE BENSON	SUPERVISORY COMMITTEE	0.19	Director	$4,478	$0	$4,478
ROBERT TWARDZIK	DIRECTOR	0.25	Director	$5,055	$0	$5,055
TONIA M NIEDZIALKOWSKI	PRESIDENT	40.00	Officer	$467,789	$192,586	$660,375
KRISTIN REYNOLDS	SVP - HUMAN RESOURCES	40.00	Officer	$180,833	$154,701	$335,534
EUGENIE BRIGGS	SVP - MARKETING	40.00	Officer	$162,385	$46,099	$208,484
MARISA RIVAS	SVP/CFO	40.00	Officer	$238,157	$52,593	$290,750
PATRICIA BRICE	EVP/CLO	40.00	Officer	$259,165	$157,532	$416,697
TIM BAUM	SVP/CIO	40.00	Officer	$210,162	$42,708	$252,870
JESSE BELL	SVP - MEMBER SERVICES	40.00	Officer	$195,033	$11,339	$206,372
KAREN TRIMP	VP - COMPLIANCE	40.00	Highest	$135,989	$44,427	$180,416
STEWART HOLBROOK	VP - IT	40.00	Highest	$148,700	$38,870	$187,570
SUSAN WAITE	VP - LENDING	40.00	Highest	$127,189	$53,210	$180,399
BETH BAVIS	VP - MEMBER BUSINESS BANKI	40.00	Highest	$156,700	$44,641	$201,341
CYNTHIA HARRELL	VP - OPS SUPPORT	40.00	Highest	$123,626	$47,624	$171,250

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$33,994,709	$31,993,899	$922,504,089	$2,000,810
2022	$30,117,065	$27,963,175	$947,157,705	$2,153,890
2021	$29,545,819	$26,854,052	$935,513,107	$2,691,767
2020	$29,502,603	$26,502,357	$870,833,707	$3,000,246
2019	$32,259,330	$27,343,377	$773,853,745	$4,915,953
2018	$29,294,391	$25,234,636	$766,117,381	$4,059,755

POINT BREEZE CREDIT UNION