State credit union · Fernandina Beac, Florida · NCUA charter #67933
Container Mutual
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $5.8M
- Total assets
- 578
- Members
- 38.0%
- Net-worth ratio
Container Mutual - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67933, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Container Mutual - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)96
- Member growth0
- Liquidity (loan-to-share)93
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
37.97% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 37.97% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.46% | 15% |
| Member Growth | -6.62% | 15% |
| Loan-to-Share Ratio | 65.25% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.8M | 578 |
| 2024Q4 | $6.0M | 619 |
| 2023Q4 | $6.7M | 606 |
Credit Union Details
- Charter Number
- 67933
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Florida
- City
- Fernandina Beac
- Data Quarter
- 2025Q4
What This Data Says About Container Mutual
Container Mutual is a state credit union headquartered in Fernandina Beac, Florida, serving 578 members with $5.8M in total assets and $2.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 83/100 (Excellent), anchored by a net worth ratio of 37.97% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67933 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 65.25% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.46% on net income of $27K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.62%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Container Mutual financially healthy?
Container Mutual scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 37.97% net worth ratio and a 0.00% delinquency rate.
How does Container Mutual compare to other credit unions?
Five weighted metrics from NCUA filings produce Container Mutual's 83/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Container Mutual?
Membership eligibility for Container Mutual depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Container Mutual directly for current membership requirements and application steps.
Is my money safe at Container Mutual?
Federal credit unions like Container Mutual are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Container Mutual's net worth ratio of 37.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Container Mutual offer compared to banks?
Credit unions like Container Mutual are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Container Mutual directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.