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Overview / Commentary
803 Watson Blvd
Warner Robins, GA 31093

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.

Field of Membership Restrictions

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

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Reviews (1)

Robins FCU Is Great!

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.


Data for Q1 2014

Institution Health


Texas Ratio


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.

Texas Ratio Trend


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.

Deposit Growth


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.

Institution Statistics

NCUA #9331
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$1.92 billion
Loans$978.71 million
Deposits$1.64 billion
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
Assets$1.83 billion
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
Return on Assets1.86%
Return on Equity13.43%
Interest Income$13.90 million

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Robins Credit Union Savings Account Rates

0.50%--IRA Account
0.50%--Roth IRA Account
0.50%--CESA Account
0.35%--Savings Account

Robins Credit Union Money Market Rates

0.45%$100k-Prestige Money Market Account

Robins Credit Union Checking Account Rates

0.40%$10k-Advantage Checking Account

Robins Credit Union CD Rates

1.50%$500-50 Month Share Certificate Special
1.20%$500-60 Month Share Certificate
1.10%$500-48 Month Share Certificate
1.00%$500-25 Month Share Certificate Special
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$10k12 Month Easy Save Share Certificate
0.45%$500-6 Month Share Certificate

Robins Credit Union IRA Rates

1.50%$500-50 Month IRA Share Certificate Special
1.20%$500-60 Month IRA Share Certificate
1.10%$500-48 Month IRA Share Certificate
1.00%$500-25 Month IRA Share Certificate Special
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

Robins Credit Union has 19 locations. Click to view all Robins Credit Union locations.