5 star ratingAverage User Rating:
5 star rating based on 1 review.

Robins Credit Union

Robins Credit Union Locations
PO Box 6849
Warner Robins, GA 310956849
www.robinsfcu.org

Robins Credit Union is headquartered in Warner Robins and is the 4th largest credit union in the state of Georgia. It is also the 94th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 329 employees and 140,372 members. Robins Credit Union's savings rates are 2X the national average, and it boasts a 5-star health rating.

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Add-On 12-Mo CD At Robins FCU (Ga) Max $10K (Forum) - 5/27/2012

This Easy Save share certificate at a 5-star rated credit union has a .75% APY.  $100 minimum to open, $10K max, additional deposits must be at least $25.   Limit one Easy Save certificate per account.  



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See Rates for: Checking | Savings | Money Market | CD | IRA

Robins Credit Union Checking Account Rates

ApyMinMaxProduct
0.70%$10k-Advantage Checking Account

Robins Credit Union Savings Account Rates

ApyMinMaxProduct
1.05%--IRA Account
1.05%--Roth IRA Account
1.05%--CESA Account
0.60%--Savings Account

Robins Credit Union Money Market Rates

ApyMinMaxProduct
0.75%$100k-Prestige Money Market Account

Robins Credit Union CD Rates

ApyMinMaxProduct
1.65%$500-60 Month Share Certificate
1.45%$500-48 Month Share Certificate
1.20%$500-36 Month Share Certificate
1.00%$500-24 Month Share Certificate
0.90%$500-18 Month Share Certificate
0.75%$500-12 Month Share Certificate
0.75%$100$10k12 Month Easy Save Share Certificate
0.60%$500-6 Month Share Certificate

Robins Credit Union IRA Rates

ApyMinMaxProduct
1.65%$500-60 Month IRA Share Certificate
1.65%$500-60 Month Roth IRA Share Certificate
1.65%$500-60 Month CESA Share Certificate
1.45%$500-48 Month IRA Share Certificate
1.45%$500-48 Month Roth IRA Share Certificate
1.45%$500-48 Month CESA Share Certificate
1.20%$500-36 Month IRA Share Certificate
1.20%$500-36 Month Roth IRA Share Certificate
1.20%$500-36 Month CESA Share Certificate
1.00%$500-24 Month IRA Share Certificate
1.00%$500-24 Month Roth IRA Share Certificate
1.00%$500-24 Month CESA Share Certificate
0.90%$500-18 Month IRA Share Certificate
0.90%$500-18 Month Roth IRA Share Certificate
0.90%$500-18 Month CESA Share Certificate
0.75%$500-12 Month IRA Share Certificate
0.75%$500-12 Month Roth IRA Share Certificate
0.75%$500-12 Month CESA Share Certificate
0.60%$500-6 Month IRA Share Certificate
0.60%$500-6 Month Roth IRA Share Certificate
0.60%$500-6 Month CESA Share Certificate

Rates updated: 5/27/2012

Data for Q4 2011


Institution Statistics


ROBINS
NCUA #9331
BankRate ReportView
Year Chartered1954
Employees329
Primary Regulator

Assets and Liabilities

Assets$1.59 billion
Loans$843.69 million
Deposits$1.37 billion
Equity Capital$205.73 million
Loan Loss Allowance$7.49 million
Unbacked Noncurrent Loans$3.25 million
Real Estate Owned$3.02 million

Historic Data - December 2010

Assets$1.37 billion
Equity Capital$171.23 million
Loan Loss Allowance$6.87 million
Unbacked Noncurrent Loans$6.58 million
Real Estate Owned$2.31 million

Profit Margin - Quarterly

Net Interest Margin4.7%
Return on Assets1.82%
Return on Equity14.08%
Interest Income$56.37 million
Non-Interest Income$26.70 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Robins Credit Union had $6.27 million in non-current loans and owned real-estate with $213.22 million in equity and loan loss allowances on hand to cover it. This gives Robins Credit Union a Texas Ratio of 2.94% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Robins Credit Union decreased significantly from 5.00% as of December 31, 2010 to 2.94% as of December 31, 2011, resulting in a positive change of 41.16%.This indicates that the balance sheet and financial strength for Robins Credit Union has improved significantly in recent periods.
Deposit Growth5
In the past year, Robins Credit Union has increased its total deposits by $178.37 million, resulting in 14.98% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Robins Credit Union has shown is excellent.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Robins Credit Union has $1.59 billion in assets with $213.22 million in equity, resulting in a capitalization level of 13.39%, which is excellent.
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Robins FCU Is Great!
5 stars - orion365 - Saturday, March 5, 2011 - 9:16 AM

My family and I have banked with Robins Federal Credit Union for many many years.  They have always treated us well and addressed any questions / problems we may had.  The service is usually swift, whether you are using the drive through or the walk up teller.  The loan department is amazing, and we've gotten quick approvals when applying for loans.  My favorite part is their website.  It allows us complete account access, with real time information that helps us make critical financial decisions without a lot of research.  We have used this service to track payments / checks / debits, as well as track open loans.  The login is easy and the interface is easily navigated.  It’s not as complicated as some bank software I have used in the past.  I hope they never change, and continue to provide us with great service for years to come.  We’ve been more than impressed with them.

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