CONTAINER MUTUAL
Charter #67933 | FL
<100M
(2596 CUs)
Micro
($0-$500M)
40 <100M in FL
CONTAINER MUTUAL has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.5% in tier
- + Net Charge-Off Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Efficiency ratio 8.80% above tier (higher cost structure)
- - Member decline: -6.4% YoY
- - Deposit Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
572
-6.4% YoY+1.4% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
Bottom 15.6% in tier |
| Assets |
$5.9M
-4.8% YoY-0.4% QoQ
|
$-24.0M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 22.5% in tier |
| Loans |
$2.2M
+6.8% YoY+3.7% QoQ
|
$-13.6M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 18.8% in tier |
| Deposits |
$3.3M
-8.6% YoY-0.6% QoQ
|
$-22.2M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 17.1% in tier |
| ROA |
0.3%
-24.6% YoY-17.6% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
28th in tier |
| NIM |
3.1%
+10.2% YoY+2.9% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 20.1% in tier |
| Efficiency Ratio |
90.2%
-10.0% YoY+2.7% QoQ
|
+8.8% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
Top 22.9% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
66.7%
+17.0% YoY+4.3% QoQ
|
+5.4% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
57th in tier |
| AMR |
$9,503
+3.6% YoY-0.4% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
26th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
39
Net Worth Ratio
risk
Value:
44.67%
Peer Avg: 16.43%
#39 of 2596
Top 1.5% in <100M tier
226
Net Charge-Off Rate
risk
Value:
-0.00%
Peer Avg: 0.57%
#226 of 2596
Top 8.7% in <100M tier
426
Loan Growth Rate
growth
Value:
6.85%
Peer Avg: 59.01%
#426 of 2596
Top 16.4% in <100M tier
Top Weaknesses (10 metrics)
2364
Deposit Growth Rate
growth
Value:
-8.65%
Peer Avg: 16.80%
#2364 of 2596
Bottom 9.0% in <100M tier
2296
Member Growth Rate
growth
Value:
-6.38%
Peer Avg: 14.92%
#2296 of 2596
Bottom 11.6% in <100M tier
2214
Asset Growth Rate
growth
Value:
-4.77%
Peer Avg: 1.82%
#2214 of 2596
Bottom 14.8% in <100M tier
2192
Total Members
engagement
Value:
572
Peer Avg: 2,626
#2192 of 2596
Bottom 15.6% in <100M tier
2153
Total Deposits
balance_sheet
Value:
$3.26M
Peer Avg: $25.45M
#2153 of 2596
Bottom 17.1% in <100M tier
2109
Total Loans
balance_sheet
Value:
$2.17M
Peer Avg: $15.77M
#2109 of 2596
Bottom 18.8% in <100M tier
2074
Net Interest Margin (NIM)
profitability
Value:
3.07%
Peer Avg: 3.93%
#2074 of 2596
Bottom 20.1% in <100M tier
2013
Total Assets
balance_sheet
Value:
$5.90M
Peer Avg: $29.86M
#2013 of 2596
Bottom 22.5% in <100M tier
2002
Efficiency Ratio
profitability
Value:
90.20%
Peer Avg: 81.39%
#2002 of 2596
Bottom 22.9% in <100M tier
1982
Fee Income Per Member
profitability
Value:
$15.59
Peer Avg: $182.96
#1982 of 2596
Bottom 23.7% in <100M tier