Niedzialkowski has played a key role in the credit union's recent growth, both in terms of new members and its consumer and business loan activity, Point Breeze said in a prepared statement. She recently directed the credit union's expansion into two new markets with the construction of offices in Westminster and Owings Mills, as well as an extensive expansion and renovation of the credit union's Hunt Valley headquarters, which doubled its size.

"Her transformational leadership has set our organization on a path for continued success. Making the needs of our members top priority and inspiring our amazing team of professionals to strive for constant improvement and personal growth has led us to where we are today," Point Breeze Board President Don Gundlach said. "We are grateful to Bernie for his years of leadership at Point Breeze, and for setting the foundation for the organization's current growth trajectory. We wish him all the best in his retirement and look forward to the future with Tonia leading the way."