Robins Credit Union is headquartered in Warner Robins and is the 3rd largest credit union in the state of Georgia. It is also the 92nd largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 345 employees and 154,947 members. Robins Credit Union has a A+ health rating.
Must live, work or attend school in one of the following 16 counties: Baldwin, Bibb, Clarke, Crawford, Emanuel, Houston, Jones, Macon, Monroe, Peach, Pulaski, Putnam, Taylor, Telfair, Twiggs or Wilkinson. - See Details
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.
The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Robins Credit Union had $4.46 million in non-current loans and owned real-estate with $274.56 million in equity and loan loss allowances on hand to cover it. This gives Robins Credit Union a Texas Ratio of 1.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Robins Credit Union experienced no significant changes from 1.57% as of March 31, 2013 to 1.62% as of March 31, 2014, resulting in a negative change of 3.28%. This indicates that the balance sheet and financial strength for Robins Credit Union has had no significant changes in recent periods.
In the past year, Robins Credit Union has increased its total deposits by $76.75 million, resulting in 4.91% 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.
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 $1.92 billion in assets with $274.56 million in equity, resulting in a capitalization level of 14.28%, which is excellent.
|Assets and Liabilities|
|Equity Capital||$266.81 million|
|Loan Loss Allowance||$7.76 million|
|Unbacked Noncurrent Loans||$3.96 million|
|Real Estate Owned||$504,000|
|Historic Data - March 2013|
|Equity Capital||$246.72 million|
|Loan Loss Allowance||$7.48 million|
|Unbacked Noncurrent Loans||$3.96 million|
|Real Estate Owned||$1.41 million|
|Profit Margin - Quarterly|
|Net Interest Margin||1.06%|
|Return on Assets||1.86%|
|Return on Equity||13.43%|
|Interest Income||$13.90 million|
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|0.50%||-||-||Roth IRA Account|
|0.45%||$100k||-||Prestige Money Market Account|
|0.40%||$10k||-||Advantage Checking Account|
|1.20%||$500||-||60 Month Share Certificate|
|1.10%||$500||-||48 Month Share Certificate|
|0.90%||$500||-||36 Month Share Certificate|
|0.75%||$500||-||24 Month Share Certificate|
|0.65%||$500||-||18 Month Share Certificate|
|0.55%||$500||-||12 Month Share Certificate|
|0.55%||$100||$10k||12 Month Easy Save Share Certificate|
|0.45%||$500||-||6 Month Share Certificate|
|1.20%||$500||-||60 Month IRA Share Certificate|
|1.10%||$500||-||48 Month IRA Share Certificate|
|0.90%||$500||-||36 Month IRA Share Certificate|
|0.75%||$500||-||24 Month IRA Share Certificate|
|0.65%||$500||-||18 Month IRA Share Certificate|
|0.55%||$500||-||12 Month IRA Share Certificate|
|0.45%||$500||-||6 Month IRA Share Certificate|