Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2022 • EIN 59-6131478

Jan 01, 2022 to Dec 31, 2022 • Filed on Mar 31, 2023

Organization ProfileN/A
600 North 8th StreetFernandina Beach, FL 32034

(904) 277-5713

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

13th percentile

0.62x

Higher debt load relative to assets than 13% of similar nonprofits.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2022

Liabilities / Revenue

66th percentile

26.30x

Higher debt load relative to revenue than 66% of similar nonprofits.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2022

Net Margin

91st percentile

25%

Higher net margin than 91% of similar nonprofits.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2022

Top Officer Pay

58th percentile

$55,593

Higher top officer pay than 58% of similar nonprofits.

Top officer pay equals 33.3% of source-year revenue.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2022

Asset Growth

32nd percentile

-4.2%

Faster asset growth than 32% of similar nonprofits.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Revenue Growth

97th percentile

49%

Faster revenue growth than 97% of similar nonprofits.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets13th percentile

Assets

Down

$7,048,143

Down $311,151 (-4.2%) from 2021

Net Assets

Up

$2,655,837

Up $41,676 (+1.6%) from 2021

Liabilities

Down

$4,392,306

Down $352,827 (-7.4%) from 2021

Revenue And Expenses
Liabilities / Revenue66th percentileNet Margin91st percentile

Revenue

Up

$167,001

Up $55,247 (+49%) from 2021

Expenses

Down

$125,208

Down $76,502 (-38%) from 2021

Net Income

Up

$41,793

Up $131,749 (+146%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth32nd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$8.0M$6.0M$4.0M$2.0M$0Assets 2020: $7,386,361Liabilities 2020: $4,682,244Net Assets 2020: $2,704,1172020Assets 2021: $7,359,294Liabilities 2021: $4,745,133Net Assets 2021: $2,614,1612021Assets 2022: $7,048,143Liabilities 2022: $4,392,306Net Assets 2022: $2,655,8372022Assets 2023: $6,653,927Liabilities 2023: $4,069,399Net Assets 2023: $2,584,5282023Assets 2024: $6,048,009Liabilities 2024: $3,436,783Net Assets 2024: $2,611,2262024

Highlighted filing

2022

Assets$7,048,143
Liabilities$4,392,306
Net Assets$2,655,837
Open 2022 Filing

Operations Trend

Revenue Growth97th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$300K$200K$100K$0-$100KRevenue 2020: $200,623Expenses 2020: $229,641Net Income 2020: -$29,0182020Revenue 2021: $111,754Expenses 2021: $201,710Net Income 2021: -$89,9562021Revenue 2022: $167,001Expenses 2022: $125,208Net Income 2022: $41,7932022Revenue 2023: $180,774Expenses 2023: $189,582Net Income 2023: -$8,8082023Revenue 2024: $187,747Expenses 2024: $161,049Net Income 2024: $26,6982024

Highlighted filing

2022

Revenue$167,001
Expenses$125,208
Net Income$41,793
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Mar 31, 2023
Return Version
2022v4.1
Gross Receipts
$167,001
Mission and Program Overview

Mission

Credit union - to provide services to approximately 578 members in the form of loans, savings, and other financial services.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities-$4,284,861-
Savings and Temporary Cash Investments$3,819,047--
Rtn Earn Endowment Incm Other Fnds$2,614,161$2,655,837▲ $41,676
Other Notes and Loans Receivable, Net$2,494,992$2,242,255▼ $252,737
Cash and Non-Interest-Bearing Accounts$987,132$452,636▼ $534,496
Prepaid Expenses and Deferred Charges$11,404$4,064▼ $7,340
Total Assets$7,359,294$7,048,143▼ $311,151
Other Assets Total$46,719$64,327▲ $17,608
Liabilities
Other Liabilities$4,732,811$4,381,285▼ $351,526
Accounts Payable and Accrued Expenses$12,322$11,021▼ $1,301
Total Liabilities$4,745,133$4,392,306▼ $352,827
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,614,161$2,655,837▲ $41,676
Total Liabilities and Net Assets / Fund Balance$7,359,294$7,048,143▼ $311,151

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$76,861--
Compensation and Service Providers
Top Officer Pay58th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Debi RowlandManagerFT$48,841$6,752$55,593

Board Members and Trustees

NameTitle
Sidney HaleBoard Chair
John SpenceSc Chair
Don WisienskiBoard Secret
Robert MartinBoard Treasu
Joshua WardBoard VP
Darrell HennSc Member
Tony CrewsSc Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$111,444
Investment Income
$50,434
Other Revenue
$5,123
Change in Net Assets
$41,793
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$78,600
Salaries, Compensation, and Employee Benefits$46,608
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$92,415-$92,415
Office Expenses-$27,212-$27,212
Other Employee Benefits-$8,608-$8,608
Interest-$5,167-$5,167
Other Expenses-$1,942-$1,942
Conferences and Meetings-$712-$712
All Other Expenses-$172-$172
Payroll Taxes-$-54,415-$-54,415
Total Functional Expenses$0$125,208$0$125,208
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$4,283,270
All Other Shares$71,110
Share Drafts$26,905
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decisions made by the board of directors are affirmed by the members.”

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reviewed by the manager. The form 990 is available for review by the board upon request.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors use a comparison of small credit union compensation.”

Form 990, Page 6, Part VI, Line 15B

“Only comparability data was used in determining compensation for the president/ceo.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Container Mutual Credit Union
EIN
59-6131478
Phone
9042775713
Address
600 NORTH 8TH STREET, FERNANDINA BEACH, FL 32034

Signing Officer

Name
Debi Rowland
Title
Manager
Phone
9042775713
Signed
2023-03-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Debi Rowland
Formed
1941
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
3
Volunteers
7

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Amanda Onkst
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors, supervisory committee, and credit committee without compensation.”

Form 990, Page 5, Part V, Line 3B

“The credit union does not have any unrelated business income.”

Form 990, Part XI, Line 9

“Prior period adjustment -117”

Raw XML Appendix354 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION DOES NOT HAVE ANY UNRELATED BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FORM 990 IS REVIEWED BY THE MANAGER. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS USE A COMPARISON OF SMALL CREDIT UNION COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ONLY COMPARABILITY DATA WAS USED IN DETERMINING COMPENSATION FOR THE PRESIDENT/CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9PRIOR PERIOD ADJUSTMENT -117
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0FL
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt07359294
IRS990/TotalAssetsEOYAmt07048143
IRS990/TotalAssetsGrp/BOYAmt07359294
IRS990/TotalAssetsGrp/EOYAmt07048143
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0125208
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0125208
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04745133
IRS990/TotalLiabilitiesEOYAmt04392306
IRS990/TotalLiabilitiesGrp/BOYAmt04745133
IRS990/TotalLiabilitiesGrp/EOYAmt04392306
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02614161
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02655837
IRS990/TotalOtherCompensationAmt06752
IRS990/TotalProgramServiceRevenueAmt0111444
IRS990/TotalReportableCompFromOrgAmt048841
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0167001
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0167001
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07359294
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07048143
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0600 NORTH 8TH STREET
IRS990/USAddress/CityNm0FERNANDINA BEACH
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032034
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DEBI ROWLAND
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum09042775713
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-03-31
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CONTAINER MUTUAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CONT
ReturnHeader/Filer/EIN0596131478
ReturnHeader/Filer/PhoneNum09042775713
ReturnHeader/Filer/USAddress/AddressLine1Txt0600 NORTH 8TH STREET
ReturnHeader/Filer/USAddress/CityNm0FERNANDINA BEACH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd032034
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02023-02-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02023-02-27T15:00:32-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0DEBI
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0ROWLAND
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,048,143
Liabilities
$4,392,306
Net assets
$2,655,837
Revenue
$167,001
Expenses
$125,208
Net income
$41,793
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.05$3.44$2.61$0.19$0.16$0.03
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.65$4.07$2.58$0.18$0.19$0.01
2022Detailed filing. Detailed filing data is available for this year.$7.05$4.39$2.66$0.17$0.13$0.04
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.36$4.75$2.61$0.11$0.20$0.09
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.39$4.68$2.70$0.20$0.23$0.03