Robins Financial Credit Union
Nonprofit profile at a glance
- EIN
- 580641605
- IRS 990 coverage
- 2017–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Warner Robins, GA, USA
- Phone
- 478-923-3773
- Rating confidence
- Limited
- Sector
- Credit Unions
Reported finances
- Revenue
- $251,515,366
- Expenses
- $190,265,948
- Assets
- $4,587,561,437
- Liabilities
- $3,949,346,254
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
22 people listed
Executive titles in this filing
- CHRISTINA M OBRIEN (PRESIDENT/CEO)
Highest reported compensation
- ROBERT DYAL (SVP OF LENDING): $1,230,064 total reported compensation
- CHRISTINA M OBRIEN (PRESIDENT/CEO): $995,355 total reported compensation
- ANDREA DENICE COTE (CHIEF GROWTH OFFICER): $615,864 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To provide better rates, lower fees, and a commitment to improving the financial well-being of our members and our communities.
What it reported doing in 2024
The organization is a state-chartered credit union that offers 271,382 members financial products such as mortgage loans, auto loans, visa cards, and deposit products that include savings, checking, and money market accounts, and certificates of deposit.
Operating model
- Revenue model
- Earned-program. 82% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 69
- Accountability: 95
- Sustainability: 77
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 91.7%; rating input score 92; 8th percentile among comparable filings
- Pay-setting controls: 3 of 6 controls in place; rating input score 50
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 58.3%; rating input score 58; 12th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 77th percentile among comparable filings
- Governance controls: 8 of 9 controls in place; rating input score 89
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 24.4%; rating input score 90; 90th percentile among comparable filings
- Total-asset coverage ratio: 24.11; rating input score 98; 98th percentile among comparable filings
- Liabilities to assets ratio: 0.86; rating input score 15; 15th percentile among comparable filings
- Officer compensation ratio: 3.2%; rating input score 36; 36th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 11.1% per year; rating input score 100; 80th percentile among comparable filings
- Asset growth: 10.1% per year; rating input score 100; 71st percentile among comparable filings
Details
- What they do: 3 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 9 of 9 board members independent · 8 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $1.2M · 22 people listed · 3 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $15.7M reported
- Consistency: 11 of 12 current checks pass · 1 finding to review
- Schedules: 6 filed schedules · includes grants and executive pay
- Filing history: 8 filing years from 2017 to 2024
- Contacts: How to reach this organization
- Money network: 53 filed money-flow records
- Related organizations: 36 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Transparency & Controls: Grant itemization coverage scored 58/100.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- Review — Accountability: Governance controls: Form 990 shared with the board not reported.
- High — Sustainability: Liabilities to assets ratio scored 15/100.
- Moderate — Sustainability: Officer compensation ratio scored 36/100.