Civic Intelligence

Container Mutual Credit Union

EIN 59-6131478 • 501(c)14 • Fernandina Beach, FL

Profile

Credit union - to provide services to approximately 619 members in the form of loans, savings, and other financial services.

600 North 8th StreetFernandina Beach, FL 32034

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

8th percentile

0.57x

Higher debt load relative to assets than 8% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

55th percentile

18.31x

Higher debt load relative to revenue than 55% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

81st percentile

14%

Higher net margin than 81% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

21st percentile

-7.4%

Faster asset growth than 21% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2024

Revenue Growth

48th percentile

6.0%

Faster revenue growth than 48% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets8th percentile

Assets

Down

$6,048,009

Down $605,918 (-9.1%) from 2023

Liabilities

Down

$3,436,783

Down $632,616 (-16%) from 2023

Net Assets

Up

$2,611,226

Up $26,698 (+1.0%) from 2023

Operations
Liabilities / Revenue55th percentileNet Margin81st percentile

Revenue

Up

$187,747

Up $6,973 (+3.9%) from 2023

Expenses

Down

$161,049

Down $28,533 (-15%) from 2023

Net Income

Up

$26,698

Up $35,506 (+403%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth21st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$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

2024

Assets$6,048,009
Liabilities$3,436,783
Net Assets$2,611,226
Open 2024 Filing

Operations Trend

Revenue Growth48th percentile

Revenue, expenses, and net income by year, with the latest 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

2024

Revenue$187,747
Expenses$161,049
Net Income$26,698
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$6,048,009
Liabilities
$3,436,783
Net assets
$2,611,226
Revenue
$187,747
Expenses
$161,049
Net income
$26,698
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
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 12, 2025
Return Version
2024v5.0
Gross Receipts
$187,747
Mission and Program Overview

Mission

State chartered credit union serving its members

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$3,887,860$3,641,860▼ $246,000
Rtn Earn Endowment Incm Other Fnds$2,584,528$2,611,226▲ $26,698
Other Notes and Loans Receivable, Net$1,953,307$1,984,487▲ $31,180
Cash and Non-Interest-Bearing Accounts$734,402$349,573▼ $384,829
Prepaid Expenses and Deferred Charges$17,477$13,951▼ $3,526
Total Assets$6,653,927$6,048,009▼ $605,918
Other Assets Total$60,881$58,138▼ $2,743
Liabilities
Other Liabilities$4,043,785$3,412,026▼ $631,759
Accounts Payable and Accrued Expenses$25,614$24,757▼ $857
Total Liabilities$4,069,399$3,436,783▼ $632,616
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,584,528$2,611,226▲ $26,698
Total Liabilities and Net Assets / Fund Balance$6,653,927$6,048,009▼ $605,918

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$76,860--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Debi RowlandManagerFT$58,608$58,608

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$117,303
Investment Income
$68,137
Other Revenue
$2,307
Change in Net Assets
$26,698
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$101,313
Other Expenses$59,736
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$87,387-$87,387
Office Expenses-$23,189-$23,189
Other Employee Benefits-$7,116-$7,116
Payroll Taxes-$6,810-$6,810
Interest-$3,604-$3,604
Other Expenses-$1,715-$1,715
Conferences and Meetings-$1,032-$1,032
All Other Expenses-$-20,000-$-20,000
Total Functional Expenses$0$161,049$0$161,049
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$3,328,758
All Other Shares$65,204
Share Drafts$18,064
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
2025-05-12
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
2
Volunteers
13

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 had no unrelated business income.”

Form 990, Part XI, Line 9

“Acct adj - cecl 0 due to rounding 0”

Raw XML Appendix349 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 HAD NO 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/ExplanationTxt9ACCT ADJ - CECL 0 DUE TO ROUNDING 0
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/TotalLiabilitiesGrp/EOYAmt03436783
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IRS990/USAddress/AddressLine1Txt0600 NORTH 8TH STREET
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IRS990/USAddress/ZIPCd032034
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IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DEBI ROWLAND
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum09042775713
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CONTAINER MUTUAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CONT
ReturnHeader/Filer/EIN0596131478
ReturnHeader/Filer/PhoneNum09042775713
ReturnHeader/Filer/USAddress/AddressLine1Txt0600 NORTH 8TH STREET
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ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
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/PreparationDt02025-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02025-05-13T12:05:10-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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