philanthropy.org | 990 Resource | FAQ Verify yourself
Sign in

Container Mutual Credit Union FY2022 filing

Not tax-deductible

Fern Bch, FLMutual-benefit / member-servingMutual / membership EIN 59-6131478Revenue $167K in FY2022

On file with the IRS600 N 8th St, 32034-3319 · Fern Bch, FLTax-exempt since Feb 1972

Claim this org

(tell your story, add context, and more)

What claiming does How does your 990 look to donors? Take the 10-Question Audit

Credit Union - to provide financial services for its members.

$49K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Pay: Part VII

Before you give

FY2022 · Form 990Independent: from IRS data, not the org
Download 990
Tax-deductible gifts
No
Donations are not tax-deductible
Worth a look: the IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
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
Worth a look: a surplus in 3 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
0%
of spending
Concern: 0% of spending went to programs; under 50%.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$49K
to officers and key staff · 39% of spending
Concern: pay to officers and key staff is 39% of spending; over 30%.
Pt VII · Sec A
Cash reserves
43 mo
of spending, in cash
Plus $4.3M in investments, Pt X · Ln 11–13
Looks good: 43.4 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$4.4M
62% of total assets
Fine: liabilities are 62% of assets; 50% to 65%.
Pt X · Ln 26
Independent board members
5
of 5 voting members
Looks good: 5 of 5 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$167K
+49% vs prior year
Spent
$125K
To programs
0%
Net assets
$2.7M
By yearFY2020–FY2025
Revenue
$167K
FY2022▲ +49%
Tap a bar for its year
Revenue by fiscal year
FY2020$201K
FY2021$112K
FY2022$167K
FY2023$181K
FY2024$188K
FY2025$199K
Expenses
$125K
FY2022▼ -38%
Tap a bar for its year
Expenses by fiscal year
FY2020$230K
FY2021$202K
FY2022$125K
FY2023$190K
FY2024$161K
FY2025$168K
Net assets
$2.7M
FY2022▲ +2%
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 FY2022 Form 990 · see the original

990 PDF Claim
You’re viewing the FY2022 filing — not the latest on file. See the latest (FY2025) →

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% · $125K

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

Something off? Claim to add context

Who runs it and what they're paid

8 people listed on the 990; $49K paid to officers and key staff.

Part VII, Section A · reportable compensation
$48,841Pt VII · Sec A
Tony Crews
SC Secretary
$0Pt VII · Sec A
Sidney Hale
Board Chair
$0Pt VII · Sec A
Darrell Henn
SC Member
$0Pt VII · Sec A
Robert Martin
Board Treasu
$0Pt VII · Sec A
John Spence
SC Chair
$0Pt VII · Sec A
Joshua Ward
Board VP
$0Pt VII · Sec A
Don Wisienski
Board Secret
$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 →

On this list? Claim this org

Something off? Claim to add context

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

Tap to ask. Container Mutual Credit Union sees how many people are interested.

Your first name shows with your question. Container Mutual Credit Union answers here, for everyone.

Provided by the organization

Know this org? Add your story

2 programs · in their own filed words · FY2022
01

Non-interest expense & provision for loan loss

Pt IX · col B
02

Interest expense

Pt IX · col B

By the numbers

The FY2022 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$167K
Ln 12
Fees for servicesLn 2g$111K
Investment incomeLn 3$50K
Other incomeLn 4–11$5K
Money outPt IX
$125K
Ln 25
Managementcol C$125K
Owns and owesPt X
$2.7M
net assets · Ln 32
Cash and savingsLn 1–2$453K
Total assetsLn 16$7.0M
LiabilitiesLn 26$4.4M
PeoplePt VI, VII
8
listed · VII A
PaidVII A1
Voting boardVI 1a5
IndependentVI 1b5
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$111K
Investment incomeLn 3$50K
Other incomeLn 4–11$5K
Total revenueLn 12$167K
Assets in detailPt X, end of year
CashLn 1$453K
Cash and savings togetherLn 1–2$453K
InvestmentsLn 11–13$4.3M
Other assetsLn 15$64K
Total assetsLn 16$7.0M
LiabilitiesLn 26$4.4M
Net assetsLn 32$2.7M
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 FY22End FY22
Cash and savingsLn 1–2$987K$453K
InvestmentsLn 11–13$4.3M
Total assetsLn 16$7.4M$7.0M
LiabilitiesLn 26$4.7M$4.4M
Net assetsLn 32$2.6M$2.7M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Other salaries and wagesLn 7$92K$92K
Other employee benefitsLn 9$9K$9K
Payroll taxesLn 10−$54K−$54K
Office expensesLn 13$27K$27K
Conferences, conventions and meetingsLn 19$712$712
InterestLn 20$5K$5K
Other expenses (24a–d)Ln 24$45K$45K
All other expensesLn 24e$172$172
Total functional expensesLn 25$125K$0$125K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $199K$168K$32K$2.6M 990 PDF
FY2024 $188K$161K$27K$2.6M 990 PDF
FY2023 $181K$190K−$9K$2.6M 990 PDF
FY2022 Viewing $167K$125K$42K$2.7M 990 PDF
FY2021 $112K$202K−$90K$2.6M 990 PDF
FY2020 $201K$230K−$29K$2.7M 990 PDF

More to add? Claim this org

Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2022 990 (6 parts)
Part I · Summary $167,001 revenue, 12 lines filed
I-8 Contributions and grants$0
I-9 Program service revenuePrior year $111,754$111,444
I-10 Investment income$50,434
I-11 Other revenue$5,123
I-12 Total revenuePrior year $111,754$167,001
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $129,781$46,608
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $71,929$78,600
I-18 Total expensesPrior year $201,710$125,208
I-19 Revenue less expensesPrior year −$89,956$41,793
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 $167,001 across 4 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $111,444$111,444
VIII-3 Investment incomeRelated to mission $50,434$50,434
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $5,123$5,123
VIII-12 Total revenueRelated to mission $167,001$167,001
Part IX · Statement of functional expenses $125,208 across 8 lines filed
IX-7 Other salaries and wagesManagement $92,415$92,415
IX-9 Other employee benefitsManagement $8,608$8,608
IX-10 Payroll taxesManagement −$54,415−$54,415
IX-13 Office expensesManagement $27,212$27,212
IX-19 Conferences, conventions and meetingsManagement $712$712
IX-20 InterestManagement $5,167$5,167
IX-24 Other expenses (24a–d)Management $45,337$45,337
IX-24e All other expensesManagement $172$172
IX-25 Total functional expensesPrograms $0 · Management $125,208 · Fundraising $0$125,208
Part X · Balance sheet $7,048,143 assets, 10 lines filed
Asset lines not itemized here account for $2,242,255; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $987,132$452,636
X-9 Prepaid expenses and deferred chargesStart of year $11,404$4,064
X-12 Other securities$4,284,861
X-15 Other assetsStart of year $46,719$64,327
X-16 Total assetsStart of year $7,359,294$7,048,143
X-17 Accounts payable and accrued expensesStart of year $12,322$11,021
X-25 Other liabilitiesStart of year $4,732,811$4,381,285
X-26 Total liabilitiesStart of year $4,745,133$4,392,306
X-32 Total net assets or fund balancesStart of year $2,614,161$2,655,837
X-33 Total liabilities and net assetsStart of year $7,359,294$7,048,143
Part XI · Reconciliation of net assets $2,655,837 net assets at year end
XI-1 Total revenue$167,001
XI-2 Total expenses$125,208
XI-3 Revenue less expenses$41,793
XI-4 Net assets at start of year$2,614,161
XI-9 Other changes in net assets−$117
XI-10 Net assets at end of year$2,655,837

Form 990 e-file (XML) FY2022 from the IRS · Classification, formation year and address from the IRS Business Master File

Similar organizations you could support · Compare with another nonprofit

Names, privacy, and removal requests More

The names, titles, and compensation shown on this page are reproduced from IRS Form 990 filings, which are public records.

Philanthropy.org does not alter the content of those filings. All information appears exactly as reported by the filing organization for the tax year shown.

We publish only information contained in the public IRS filing — and less than the filing contains. Our profile pages do not display street addresses, telephone numbers, personal email addresses, or other personal contact information, even where the filing includes them.

Many people share the same name. A name shown on this page reflects only what one organization reported in one IRS filing for one tax year. It should not be interpreted as identifying any other individual with the same or a similar name.

If you are no longer affiliated with the organization, your name will generally stop appearing in future IRS filings once the organization no longer reports you. Pages for tax years in which you were reported remain published because those filings remain part of the public record.

Philanthropy.org does not alter or remove IRS filing records. Removing a page from this website would not remove the underlying IRS filing, which remains publicly available from the IRS and other publishers of the same information.

If you believe the IRS filing itself is inaccurate, corrections must be made by the filing organization or the IRS directly.

Your org? Add context

Made it to the end? Claim this org

All figures are derived from public IRS Form 990 filings and are presented without evaluation of any organization. philanthropy.org does not rate, score, or rank organizations, including the pay comparisons above.