Container Mutual Credit Union Fernandina Beach, Florida
Container Mutual Credit Union is a state-chartered credit union headquartered in Fernandina Beach, FL (NCUA charter 67933), and it is regulated and insured by the NCUA. At Q2 2026 it reported 549 members and total assets of $5.5M (down 6.5% from Q2 2025), the 105th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 47.99% at Q2 2026, in the well capitalized band.
Also written as Container Mutual CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67933
- Headquarters
- Fernandina Beach, FL
- Established
- Not reported
- Total assets, Q2 2026
- $5.5M
- Assets vs Q2 2025
- -6.5%
- Members, Q2 2026
- 549
- Net worth ratio, Q2 2026
- 47.99%
- Latest call report
- Q2 2026, NCUA 5300 · Container Mutual Credit Union call report
- Asset rank in state
- 105th of 106 in Florida
- Routing number
- 263178216
- Branches
- 2
It has 15 fewer members than on June 30, 2025 (-2.7%). Its net worth ratio was up 3.54 percentage points from 44.45% on June 30, 2025. Used vehicle loans are its largest loan category, $551K of $1.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.41% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 47.99% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Florida
Frequently asked about Container Mutual Credit Union
How big is Container Mutual Credit Union?
At Q2 2026 it reported total assets of $5.5M and 549 members.
Where is Container Mutual Credit Union headquartered?
It is headquartered in Fernandina Beach, FL, United States.
Is Container Mutual Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67933): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Container Mutual Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Container Mutual Credit Union well capitalized?
Its net worth ratio was 47.99% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Container Mutual Credit Union's delinquency ratio?
Its delinquency ratio was 0.41% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Container Mutual Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 62.05% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Fernandina Beach, FL 32034
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67933
- RSSD ID
- 874395
- Members
- 549
- Potential members
- 2,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 47.99% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.65% | 0.72% | 47th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.36% | 4.74% | 27th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.39% | 3.93% | 28th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 81.39% | 79.83% | 47th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.05% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.41% | 0.86% | 72nd above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.44% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 62.05% | 58.92% | 55th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.5M total assets against $5.9M; $2.9M total shares and deposits against $3.3M; $1.8M total loans against $2.1M.
$2.7M net worth against $2.6M.
47.99% net worth ratio against 44.45%.
62.05% loan-to-share ratio against 63.92%.
0.65% return on assets against 0.56%; 1.36% return on equity against 1.26%.
3.39% net interest margin against 3.14%.
549 members against 564.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 47.99% | 0.65% | 0.41% | 62.05% |
| March 31, 2026 | 45.44% | 0.47% | — | 59.95% |
| December 31, 2025 | 45.85% | 1.22% | — | 65.25% |
| September 30, 2025 | 44.67% | 0.18% | — | 66.66% |
| June 30, 2025 | 44.45% | 0.56% | — | 63.92% |
| March 31, 2025 | 44.42% | 0.20% | — | 62.32% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.