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Nonprofit · EIN 59-6131478

STATE CHARTERED CREDIT UNIONS IN FLORIDA

Also known as CONTAINER MUTUAL CREDIT UNION

Tax-exempt · FERN BCH, FL 32034

Financials

$181K$190K2023$188K$161K2024$199K$168K2025
Revenue Expenses · by fiscal year end
Financials of STATE CHARTERED CREDIT UNIONS IN FLORIDA by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$199,215$167,591$31,624$5,764,191$3,121,341$2,642,850
December 31, 2024990$187,747$161,049$26,698$6,048,009$3,436,783$2,611,226
December 31, 2023990$180,774$189,582-$8,808$6,653,927$4,069,399$2,584,528
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$133,824
Investment income
$62,971
Other revenue
$2,420

Expenses

Grants and similar amounts paid
$0
Other salaries and wages
$86,339
Salaries, compensation and benefits (total)
$100,840
Professional fundraising fees
$0
Management and general (functional)
$167,591

Balance sheet and other

Total assets, start of year
$6,048,009
Total assets, end of year
$5,764,191
Total liabilities, end of year
$3,121,341
Net assets, end of year
$2,642,850
Gross receipts
$199,215
Employees
4
Volunteers
8
Year formed
1941
State of legal domicile
FL

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended December 31, 2025, highest compensation first.

NameTitleHours / weekCompensation
DEBI ROWLANDMANAGER
Officer
40$58,608
LEON GRANTBOARD MEMBER
Trustee or director
1$0
SIDNEY HALEBOARD CHAIR
Trustee or director
1$0
ROBERT MARTINBOARD TREASU
Trustee or director
1$0
JOSHUA WARDBOARD VP
Trustee or director
1$0
DON WISIENSKIBOARD SECRET
Trustee or director
1$0
TONY CREWSSC MEMBER
Officer
1$0
DARRELL HENNSC SECRETARY
Officer
1$0
JOHN SPENCESC CHAIR
Officer
1$0
990 for the year ended December 31, 2024: 9 people
NameTitleHours / weekCompensation
DEBI ROWLANDMANAGER
Officer
40$58,608
LEON GRANTBOARD MEMBER
Trustee or director
1$0
SIDNEY HALEBOARD CHAIR
Trustee or director
1$0
ROBERT MARTINBOARD TREASU
Trustee or director
1$0
JOSHUA WARDBOARD VP
Trustee or director
1$0
DON WISIENSKIBOARD SECRET
Trustee or director
1$0
TONY CREWSSC MEMBER
Officer
1$0
DARRELL HENNSC SECRETARY
Officer
1$0
JOHN SPENCESC CHAIR
Officer
1$0
990 for the year ended December 31, 2023: 9 people
NameTitleHours / weekCompensationOther / benefits
DEBI ROWLANDMANAGER
Officer
40$50,153$7,510
TONY CREWSSC SECRETARY
Trustee or director
1$0$0
LEON GRANTBOARD MEMBER
Trustee or director
1$0$0
SIDNEY HALEBOARD CHAIR
Trustee or director
1$0$0
DARRELL HENNSC MEMBER
Trustee or director
1$0$0
ROBERT MARTINBOARD TREASU
Trustee or director
1$0$0
JOHN SPENCESC CHAIR
Trustee or director
1$0$0
JOSHUA WARDBOARD VP
Trustee or director
1$0$0
DON WISIENSKIBOARD SECRET
Trustee or director
1$0$0

Address and contacts

Address (IRS master file)
600 N 8TH ST, FERN BCH, FL 32034-3319
In care of
% CINDY EVANS MANAGER
Principal officer (990 for 2025)
DEBI ROWLAND, 600 NORTH 8TH STREET, FERNANDINA BEACH, FL 32034
Signed the 990
DEBI ROWLAND, MANAGER
Phone
(904) 277-5713
Return prepared by
CREDIT UNION AUDIT GROUP

Mission

CREDIT UNION - TO PROVIDE SERVICES TO APPROXIMATELY 578 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.

990 for the year ended December 31, 2025

Program accomplishments

  • NON-INTEREST EXPENSE & PROVISION FOR LOAN LOSS
    Expenses $164,297
  • INTEREST EXPENSE
    Expenses $3,294

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.

Tax yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
59-6131478
Tax-exempt status
501(c)(14): State-chartered credit union
Donations deductible
No
Exempt since
1972
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$5,764,191
Income (IRS master file)
$199,215

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$199,215$167,591$5,764,191XML
990December 2024$187,747$161,049$6,048,009IRS
990December 2023$180,774$189,582$6,653,927XML
990December 2022$167,001$125,208$7,048,143IRS
990December 2021–––IRS
990December 2020–––IRS

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 59-6131478).

Questions about STATE CHARTERED CREDIT UNIONS IN FLORIDA

What is the EIN of STATE CHARTERED CREDIT UNIONS IN FLORIDA?
The employer identification number (EIN) of STATE CHARTERED CREDIT UNIONS IN FLORIDA is 59-6131478.
Is STATE CHARTERED CREDIT UNIONS IN FLORIDA tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1972.
Are donations to STATE CHARTERED CREDIT UNIONS IN FLORIDA tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does STATE CHARTERED CREDIT UNIONS IN FLORIDA file?
Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of STATE CHARTERED CREDIT UNIONS IN FLORIDA due?
The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
When did STATE CHARTERED CREDIT UNIONS IN FLORIDA last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended December 2025.
Who is the principal officer of STATE CHARTERED CREDIT UNIONS IN FLORIDA?
The 990 for the year ended December 31, 2025 names DEBI ROWLAND.
Who are the officers and directors of STATE CHARTERED CREDIT UNIONS IN FLORIDA?
The 990 for the year ended December 31, 2025 lists 9 people; 1 received compensation from the organization, the highest $58,608 (DEBI ROWLAND, MANAGER).
How much revenue does STATE CHARTERED CREDIT UNIONS IN FLORIDA have?
On its 990 for the year ended December 31, 2025 it reported revenue of $199,215, expenses of $167,591 and total assets of $5,764,191 at year end.

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