CONTAINER MUTUAL CREDIT UNION (EIN 596131478) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1941

Legal Domicile

Principal Officer

DEBI ROWLAND

Phone

9042775713

Tax Period

2025-01-01 to 2025-12-31

CONTAINER MUTUAL CREDIT UNION, founded in 1941, is a small nonprofit that reported $199K in total revenue in fiscal year 2025. The organization ran a surplus of $32K, a strong 16% operating margin.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $133,824

Investment Income $62,971

Other Revenue $2,420

TOTAL REVENUE $199,215

Expense Breakdown

Grants Paid $0

Salaries & Benefits $100,840

Fundraising Expenses $0

Program Expenses $167,591

Other Expenses $66,751

TOTAL EXPENSES $167,591

Year-over-Year Comparison

	2025	2024	Change
Revenue	$199,215	$187,747	+0.1%
Expenses	$167,591	$161,049	+0.0%
Net Income	$31,624	$26,698	+0.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$58,608

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBI ROWLAND	MANAGER	40.00	Officer	$58,608	$0	$58,608
LEON GRANT	BOARD MEMBER	1.00	Director	$0	$0	$0
SIDNEY HALE	BOARD CHAIR	1.00	Director	$0	$0	$0
ROBERT MARTIN	BOARD TREASU	1.00	Director	$0	$0	$0
JOSHUA WARD	BOARD VP	1.00	Director	$0	$0	$0
DON WISIENSKI	BOARD SECRET	1.00	Director	$0	$0	$0
TONY CREWS	SC MEMBER	1.00	Officer	$0	$0	$0
DARRELL HENN	SC SECRETARY	1.00	Officer	$0	$0	$0
JOHN SPENCE	SC CHAIR	1.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$199,215	$167,591	$5,764,191	$31,624
2024	No data	No data	No data	No data
2023	$180,774	$189,582	$6,653,927	$-8,808
2022	$167,001	$125,208	$7,048,143	$41,793
2021	$111,754	$201,710	$7,359,294	$-89,956
2020	$200,623	$229,641	$7,386,361	$-29,018

CONTAINER MUTUAL CREDIT UNION