Civic Intelligence

Robins Financial Credit Union

EIN 58-0641605 • 501(c)14 • Warner Robins, GA

Profile

To be the financial provider of choice by delivering quality financial services conveniently and efficiently.

803 Watson BlvdWarner Robins, GA 31093

www.robinsfcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

5th percentile

0.86x

Higher debt load relative to assets than 5% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

59th percentile

15.70x

Higher debt load relative to revenue than 59% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

96th percentile

24%

Higher net margin than 96% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

64th percentile

$1,230,064

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 0.5% of source-year revenue.

501(c)14 • $1B+ nonprofits • Source year 2024

Asset Growth

71st percentile

6.1%

Faster asset growth than 71% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

49th percentile

16%

Faster revenue growth than 49% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Assets

Up

$4,587,561,437

Up $262,519,136 (+6.1%) from 2023

Liabilities

Up

$3,949,346,254

Up $193,138,537 (+5.1%) from 2023

Net Assets

Up

$638,215,183

Up $69,380,599 (+12%) from 2023

Revenue

Up

$251,515,366

Up $35,531,460 (+16%) from 2023

Expenses

Up

$190,265,948

Up $34,378,343 (+22%) from 2023

Net Income

Up

$61,249,418

Up $1,153,117 (+1.9%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$6.0B$4.0B$2.0B$0Assets 2017: $2,383,368,780Liabilities 2017: $1,976,815,148Net Assets 2017: $406,553,6322017Assets 2018: $2,509,837,153Liabilities 2018: $2,066,071,639Net Assets 2018: $443,765,5142018Assets 2019: $2,738,616,657Liabilities 2019: $2,236,194,903Net Assets 2019: $502,421,7542019Assets 2020: $3,340,269,474Liabilities 2020: $2,784,997,196Net Assets 2020: $555,272,2782020Assets 2021: $3,880,052,195Liabilities 2021: $3,308,231,316Net Assets 2021: $571,820,8792021Assets 2022: $4,329,298,307Liabilities 2022: $3,853,802,119Net Assets 2022: $475,496,1882022Assets 2023: $4,325,042,301Liabilities 2023: $3,756,207,717Net Assets 2023: $568,834,5842023Assets 2024: $4,587,561,437Liabilities 2024: $3,949,346,254Net Assets 2024: $638,215,1832024

Highlighted filing

2024

Assets$4,587,561,437
Liabilities$3,949,346,254
Net Assets$638,215,183

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$300M$200M$100M$0Revenue 2017: $111,105,540Expenses 2017: $78,261,796Net Income 2017: $32,843,7442017Revenue 2018: $126,518,041Expenses 2018: $85,595,487Net Income 2018: $40,922,5542018Revenue 2019: $140,285,092Expenses 2019: $97,822,432Net Income 2019: $42,462,6602019Revenue 2020: $144,241,424Expenses 2020: $105,876,511Net Income 2020: $38,364,9132020Revenue 2021: $147,788,018Expenses 2021: $101,867,790Net Income 2021: $45,920,2282021Revenue 2022: $169,374,848Expenses 2022: $119,716,477Net Income 2022: $49,658,3712022Revenue 2023: $215,983,906Expenses 2023: $155,887,605Net Income 2023: $60,096,3012023Revenue 2024: $251,515,366Expenses 2024: $190,265,948Net Income 2024: $61,249,4182024

Highlighted filing

2024

Revenue$251,515,366
Expenses$190,265,948
Net Income$61,249,418

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$252,092,049
Mission and Program Overview

Mission

To be the financial provider of choice by delivering quality financial services conveniently and efficiently.

State-chartered credit union that offers members financial products such as mortgage loans, auto loans, visa cards, and deposit products that includes savings, checking, money market, and certificates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,477,808,779$2,653,626,739▲ $175,817,960
Investments Other Securities$1,393,404,810$1,230,340,010▼ $163,064,800
Rtn Earn Endowment Incm Other Fnds$568,834,584$638,215,183▲ $69,380,599
Savings and Temporary Cash Investments$135,754,996$416,943,734▲ $281,188,738
Cash and Non-Interest-Bearing Accounts$86,006,218$91,467,088▲ $5,460,870
Intangible Assets$49,133,231$43,570,978▼ $5,562,253
Land, Buildings, and Equipment, Net$35,718,208$39,949,411▲ $4,231,203
Receivables From Officers Etc$33,048,782$33,814,139▲ $765,357
Prepaid Expenses and Deferred Charges$2,946,869$4,402,432▲ $1,455,563
Investments in Publicly Traded Securities$6,203,100$3,683,950▼ $2,519,150
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$4,325,042,301$4,587,561,437▲ $262,519,136
Other Assets Total$105,017,308$69,762,956▼ $35,254,352
Liabilities
Other Liabilities$3,694,253,098$3,901,607,868▲ $207,354,770
Accounts Payable and Accrued Expenses$57,918,313$44,177,230▼ $13,741,083
Escrow Account Liability$4,036,306$3,561,156▼ $475,150
Total Liabilities$3,756,207,717$3,949,346,254▲ $193,138,537
Net Assets / Fund Balance
Total Net Assets Fund Balance$568,834,584$638,215,183▲ $69,380,599
Total Liabilities and Net Assets / Fund Balance$4,325,042,301$4,587,561,437▲ $262,519,136

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$22,893,545$20,849,434$43,742,979
Equipment$3,768,600$11,949,755$15,718,355
Land$11,835,397-$11,835,397
Other Land Buildings$1,451,869$1,807,105$3,258,974
Leasehold Improvements$0$53,929$53,929
Other Securities$1,227,958,996--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert DyalSVP of LendingFT$266,093$963,971$1,230,064
Christina M ObrienPresident/CEOFT$654,682$340,673$995,355
Andrea Denice CoteChief Growth OfficerFT$432,934$182,930$615,864
John D CozartChief Operations OfficerFT$276,592$114,889$391,481
Keith BeckhamSVP of Commercial ServicesFT$264,145$103,079$367,224
Jason C ParkerChief Risk OfficerFT$278,279$84,707$362,986
Tammy RossVP of Support OperationsFT$228,421$99,494$327,915
Amy EtheridgeSVP of Strategy & TransformationFT$226,211$88,312$314,523
Henry Slane IiiVP of Cards & PaymentsFT$225,379$85,241$310,620
Brant MaloneChief Financial OfficerFT$151,009$140,764$291,773
Michael HenryCommercial Credit OfficerFT$228,446$56,132$284,578
Amanda HaworthVP of Hr & Learning DevelopmentFT$178,148$80,217$258,365
Shannon ReaganVP of Consumer LendingFT$184,357$63,351$247,708

Board Members and Trustees

NameTitle
Don JarzynkaChairman
Mike ParkerVice Chairman
Chris DavisBoard Member
Ed WolfeBoard Member
John KubinecBoard Member
John a JonesBoard Member
Troy HubbardBoard Member
Donald HansonSecretary
Jane ParkerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Visa USAVisa Brand LicensingPO BOX 8999, San Francisco, CA 94128$3,983,514
Q2 SoftwareOn Line Bannking SolutionPO BOX 205970, Dallas, TX 75320$3,742,964
Visa DpsCredit & Debit TransactionsPO BOX 8999, San Francisco, CA 94128$3,498,249
Visa INCVisa Quarterly OperatingPO BOX 8999, San Francisco, CA 94128$2,524,541
FisCredit Card Rewards Program347 RIVERSIDE AVE, Jacksonville, FL 32202$1,997,732
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$206,941,039
Investment Income
$44,530,327
Other Revenue
$44,000
Change in Net Assets
$61,249,418
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$136,739,084
Salaries, Compensation, and Employee Benefits$52,526,864
Grants and Similar Amounts Paid$1,000,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$35,551,872
Office Expenses---$16,255,366
Other Expenses---$10,814,109
Other Employee Benefits---$8,102,242
All Other Expenses---$7,127,909
Advertising---$3,968,042
Depreciation Depletion---$3,634,192
Current Officers, Directors, Trustees, and Key Employees---$3,478,055
Payroll Taxes---$2,853,318
Occupancy---$2,655,313
Pension Plan Contributions---$2,541,377
Fees for Services Other---$2,471,733
Grants to Domestic Orgs---$1,000,000
Insurance---$517,813
Travel---$442,365
Interest---$404,600
Fees for Services Legal---$243,219
Fees for Services Accounting---$122,861
Total Functional Expenses$0$0$0$190,265,948
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
United Way of Central GeorgiaMacon, GA501c3Corporate Donation$51,251
Food Bank of Northeast GeorgiaAthens, GA501c3Community Project$50,000
Rockdale County Public School FoundationConyers, GA501c3Community Project$40,000
21st Century PartnershipWarner Robins, GA501c3Annual Funding$35,000
CHILDREN'S MIRACLE NETWORK FOUNDATIONSalt Lake City, UT501c3Miracle May Corporate Donation$31,632
Men About ChangeMacon, GA501c3Community Project$30,000
Middle Georgia Community Action AgencyWarner Robins, GA501c3Community Project$25,000
Rescue Mission of Middle GeorgiaMacon, GA501c3Five Star Golf Tournament$25,000
NewtownMacon, GA501c32023 Christmas Lights & 2024 First Friday Sponsorship$22,000
Make-a-wish GeorgiaAtlanta, GA501c3Adopt-a-wish Program$20,000
Bibb County School DistrictMacon, GA501c3Mckinney-vento Program Donation$15,000
City of Warner RobinsWarner Robins, GA501c3Independence Day Celebration$15,000
Georgia Vectr CenterMacon, GA501c3Community Project$15,000
Houston County Board of EducationPerry, GA501c3Community Project$15,000
LYDIA'S PLACEWatkinsville, GA501c3Community Project$15,000
Laurens County Senior CenterEast Dublin, GA501c3Community Project$15,000
Museum of Aviation FoundationWarner Robins, GA501c3Golf Tournaments$15,000
Ronald Mcdonald House CharitiesMacon, GA501c3Community Project$15,000
Bigger Vision of AthensAthens, GA501c3Year End Donation$10,000
Boys & Girls Clubs of Metro Atlantabarksdale Boys & Girls ClubChamblee, GA501c3Community Project$10,000
Family Promise of Houston CountyWaner Robins, GA501c3Community Project$10,000
Habitat for Humanity Milledgeville-baldwin CountyMilledgeville, GA501c3Community Project$10,000
Kay Community Service CenterFort Valley, GA501c3Community Project$10,000
Macon Regional CrimestoppersMacon, GA501c3Law Enforcement Luncheon$10,000
Otis Redding Center for the ArtsMacon, GA501c3Community Project$10,000
The Salvation ArmyAthens, GA501c3Donation$10,000
Athens Area Community Foundation Empty Stocking FundAthens, GA501c3Year End Donation$6,000
Caf CentralMilledgeville, GA501c3Year End Donation$6,000
Cherished Children Daycare CenterCenterville, GA501c3Year End Donation$6,000
Genesis HousePerry, GA501c3Year End Donation$6,000
Houston County Department Family & Children ServicesWarner Robins, GA501c3Year End Donation$6,000
Perry Volunteer OutreachPerry, GA501c3Year End Donation$6,000
Robins Airman and Family Readiness Activities CouncilRobins Afb, GA501c3Year End Donation$6,000
Toys for TotsBonaire, GA501c3Year End Donation$6,000
Middle Georgia Community Food BankMacon, GA501c3Year End Donation$5,550
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$33,048,782$33,814,139▲ $765,357
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$3,899,606,625
Accrued Dividends$2,001,243
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

The organization is a credit union with 271,382 members as of december 31, 2024.

Form 990, Part VI, Section A, Line 7A

Board members are replaced by the board nominating committee and approved by a vote of the organization's membership.

Form 990, Part VI, Section A, Line 7B

At any meeting the members (by one member, one vote) may decide on any matter of interest to the credit union and may overrule the bod provided the notice of the meeting specifies the question to be considered.

Form 990, Part VI, Section B, Line 11B

A copy of form 990 was not provided to the entire board. Rather the board relied on management and independent cpa to complete an accurate return in compliance with irs rules.

Form 990, Part VI, Section B, Line 12C

Annually, board members sign an oath that they diligently and honestly administer the affairs of this credit union, and will not knowingly violate or willingly permit to be violated any of the provisions of law applicable to this credit union or any of the bylaws thereof. In addition, each director signs a confidential report which is submitted to the department of banking and finance and has to disclose any business affilations of which they are a present director, officer, employee, partner, or owner.

Form 990, Part VI, Section B, Line 15

The board of directors approves the ceo salary utilizing hr performance solutions compensation system which uses multiple national salary surveys to set salary ranges. The same compensation system is used for other management salaries. The salary ranges are updated annually.

Form 990, Part VI, Section C, Line 19

Organization's documents, conflict of interest policy, and financial statements are available upon request. A notice is posted in all 22 branches that financial statements are available upon request by contacting robins financial credit union accounting department.

Filing and Contact Details

Filer

Filer Name
Robins Financial Credit Union
EIN
58-0641605
Phone
8002412405
Address
803 WATSON BLVD, WARNER ROBINS, GA 31093

Signing Officer

Name
Ken Fredriksen
Title
CFO
Phone
8002412405
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
CHRISTINA O'BRIEN
Formed
2016
Legal Domicile
Ga
Voting Board Members
9
Independent Board Members
9
Employees
662
Volunteers
9

Preparer

Firm
Mauldin & Jenkins LLC
Address
200 GALLERIA PKWY SE STE 1700, ATLANTA, GA 30339-5946
Preparer
Mary Jo Alexander
Phone
7709558600
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

Unrealized gain on split dollar plan -3,520,233.

Form 990 Part XII Line 2C

There has been no change in the organization's selection process, nor financial statement audit oversight process.

Financial Statement Notes

PART IV, LINE 2B:

Robins financial credit union services mortgage loans sold to fhlb and fnma. The organization collects principal and interest payments on behalf of fhlb and fnma and remits such amounts to the these lenders.

Raw XML AppendixShowing 400 of 1,173 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF OPERATIONS OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF RISK OFFICER
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IRS990/Form990PartVIISectionAGrp/TitleTxt15VP OF CONSUMER LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP OF HR & LEARNING DEVELOPMENT
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