Container Mutual Credit Union

Not tax-deductible

Fern Bch, FLMutual-benefit / member-servingMutual / membership EIN 59-6131478Revenue $199K in FY2025Latest return filed Apr 13, 2026

On file with the IRSFern Bch, FLTax-exempt since Feb 1972

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Credit Union - to provide financial services for its members.

Form 990 Part I, line 1, FY2025. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 59-6131478) · Dispute this line
Run by 13 volunteers and 2 employees.
Mission: Form 990 Part I, line 1 · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
Tax-deductible gifts
No
Donations are not tax-deductible
The IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
The latest return is for FY2025, 1 tax year back.
IRS e-file · Filing history
Surplus or deficit
3 of 6
filings with a surplus
Average deficit $5K a year · 3% of revenue · last 6 filings
A surplus in 3 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
0%
of spending
0% of spending went to programs.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$59K
to officers and key staff · 35% of spending
Pay to officers and key staff is 35% of spending.
Part VII, Section A
40.6 mo
of spending, in cash
Plus $3.2M in investments, Pt X · Ln 11–13
40.6 months of spending in cash.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$3.1M
54% of total assets
Liabilities are 54% of assets.
Pt X · Ln 26
Independent board members
5
of 5 voting members
5 of 5 voting members are independent.
Pt VI · Ln 1a–1b
Revenue
$199K
+6% vs prior year
Spent
$168K
To programs
0%
Net assets
$2.6M
By yearFY2020–FY2025
Revenue
$199K
FY2025▲ +6%
Tap a bar for its year
Revenue by fiscal year
FY2020$201K
FY2021$112K
FY2022$167K
FY2023$181K
FY2024$188K
FY2025$199K
Expenses
$168K
FY2025▲ +4%
Tap a bar for its year
Expenses by fiscal year
FY2020$230K
FY2021$202K
FY2022$125K
FY2023$190K
FY2024$161K
FY2025$168K
Net assets
$2.6M
FY2025▲ +1%
Tap a bar for its year
Net assets by fiscal year
FY2020$2.7M
FY2021$2.6M
FY2022$2.7M
FY2023$2.6M
FY2024$2.6M
FY2025$2.6M

From the FY2025 Form 990 · see the original

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Feb 1972.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

What each dollar paid for.

Management & general 100% · $168K

Form 990 Part IX, line 25. Every line is in By the numbers.

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Who runs it and what they're paid

9 people listed on the 990; $59K paid to officers and key staff (Part VII, Section A).

Part VII, Section A · reportable compensation
$58,608Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Board Chair
$0Pt VII · Sec A
Board Treasu
$0Pt VII · Sec A
Board VP
$0Pt VII · Sec A
Board Secret
$0Pt VII · Sec A
SC Member
$0Pt VII · Sec A
SC Secretary
$0Pt VII · Sec A

Compensation history total reportable pay by year · 1 named individual · Part VII

NameFY2025FY2024FY2023FY2022
Debi Rowland$58,608$58,608$50,153$48,841

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See Container Mutual Credit Union executive salaries →

Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Offers financial services to its members.

Questions for Container Mutual Credit Union

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2 programs · $168K · in their own filed words · FY2025
01

Non-interest expense & provision for loan loss

Form 990 Part III, line 4, FY2025. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 59-6131478) · Dispute this line
$164Kprogram expense
02

Interest expense

Form 990 Part III, line 4, FY2025. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 59-6131478) · Dispute this line
$3Kprogram expense

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$199K
Ln 12
Fees for servicesLn 2g$134K
Investment incomeLn 3$63K
Other incomeLn 4–11$2K
Money outPt IX
$168K
Ln 25
Managementcol C$168K
Owns and owesPt X
$2.6M
net assets · Ln 32
Cash and savingsLn 1–2$566K
Total assetsLn 16$5.8M
LiabilitiesLn 26$3.1M
PeoplePt VI, VII
9
listed · VII A
PaidVII A1
Voting boardVI 1a5
IndependentVI 1b5
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$134K
Investment incomeLn 3$63K
Other incomeLn 4–11$2K
Total revenueLn 12$199K
Assets in detailPt X, end of year
CashLn 1$566K
Cash and savings togetherLn 1–2$566K
Notes and loans receivableLn 7$2.0M
Prepaid expenses and deferred chargesLn 9$9K
InvestmentsLn 11–13$3.2M
Other assetsLn 15$45K
Total assetsLn 16$5.8M
LiabilitiesLn 26$3.1M
Net assetsLn 32$2.6M
OperationsPt I, VI
EmployeesI 52
VolunteersI 613
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aNo
Whistleblower policyVI 13No
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$350K$566K
InvestmentsLn 11–13$3.6M$3.2M
Total assetsLn 16$6.0M$5.8M
LiabilitiesLn 26$3.4M$3.1M
Net assetsLn 32$2.6M$2.6M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Other salaries and wagesLn 7$86K$86K
Other employee benefitsLn 9$8K$8K
Payroll taxesLn 10$7K$7K
Office expensesLn 13$26K$26K
Conferences, conventions and meetingsLn 19$997$997
InterestLn 20$3K$3K
Other expenses (24a–d)Ln 24$37K$37K
Total functional expensesLn 25$168K$0$168K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest ViewingFiled with the IRS Apr 13, 2026 $199K$168K$32K$2.6M 990 PDF
FY2024Filed with the IRS May 13, 2025 $188K$161K$27K$2.6M 990 PDF
FY2023Filed with the IRS May 8, 2024 $181K$190K−$9K$2.6M 990 PDF
FY2022Filed with the IRS Feb 27, 2023 $167K$125K$42K$2.7M 990 PDF
FY2021Filed with the IRS Jul 19, 2022 $112K$202K−$90K$2.6M 990 PDF
FY2020Filed with the IRS May 6, 2021 $201K$230K−$29K$2.7M 990 PDF

Schedules filed Part IV

A · Public support I · Grants O · Explanations
See the full FY2025 990
Part I · Summary $199,215 revenue, 12 lines filed
I-8 Contributions and grants$0
I-9 Program service revenuePrior year $117,303$133,824
I-10 Investment incomePrior year $68,137$62,971
I-11 Other revenuePrior year $2,307$2,420
I-12 Total revenuePrior year $187,747$199,215
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $101,313$100,840
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $59,736$66,751
I-18 Total expensesPrior year $161,049$167,591
I-19 Revenue less expensesPrior year $26,698$31,624
Part VI · Governance 5 of 5 board members independent, 2 to look at
VI-1a Voting members of the governing body5
VI-1b Independent voting members5
VI-12a Written conflict of interest policyNo
VI-13 Written whistleblower policyNo
VI-2 Family or business relationship among officers or directorsNo
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $199,215 across 4 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $133,824$133,824
VIII-3 Investment incomeRelated to mission $62,971$62,971
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $2,420$2,420
VIII-12 Total revenueRelated to mission $199,215$199,215
Part IX · Statement of functional expenses $167,591 across 7 lines filed
IX-7 Other salaries and wagesManagement $86,339$86,339
IX-9 Other employee benefitsManagement $7,614$7,614
IX-10 Payroll taxesManagement $6,887$6,887
IX-13 Office expensesManagement $25,695$25,695
IX-19 Conferences, conventions and meetingsManagement $997$997
IX-20 InterestManagement $3,294$3,294
IX-24 Other expenses (24a–d)Management $36,765$36,765
IX-25 Total functional expensesPrograms $0 · Management $167,591 · Fundraising $0$167,591
Part X · Balance sheet $5,764,191 assets, 12 lines filed
X-1 Cash, non-interest-bearingStart of year $349,573$566,404
X-7 Notes and loans receivableStart of year $1,984,487$1,967,622
X-9 Prepaid expenses and deferred chargesStart of year $13,951$8,730
X-12 Other securitiesStart of year $3,641,860$3,176,861
X-15 Other assetsStart of year $58,138$44,574
X-16 Total assetsStart of year $6,048,009$5,764,191
X-17 Accounts payable and accrued expensesStart of year $24,757$16,014
X-25 Other liabilitiesStart of year $3,412,026$3,105,327
X-26 Total liabilitiesStart of year $3,436,783$3,121,341
X-31 Retained earnings or endowmentStart of year $2,611,226$2,642,850
X-32 Total net assets or fund balancesStart of year $2,611,226$2,642,850
X-33 Total liabilities and net assetsStart of year $6,048,009$5,764,191
Part XI · Reconciliation of net assets $2,642,850 net assets at year end
XI-1 Total revenue$199,215
XI-2 Total expenses$167,591
XI-3 Revenue less expenses$31,624
XI-4 Net assets at start of year$2,611,226
XI-10 Net assets at end of year$2,642,850

Form 990 e-file FY2025 from the IRS (about our sources) · Classification, formation year and address from the IRS Business Master File

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