2022-04-28T16:06:53-05:00 2021-12-31 580692043 MAULDIN & JENKINS LLC 200 GALLERIA PKWY SE STE 1700 ATLANTA GA 303395946 990 2021-01-01 580641605 ROBINS FINANCIAL CREDIT UNION ROBI 8002412405 803 WATSON BLVD WARNER ROBINS GA 31093 SCOTT KLETCKE SENIOR VP/CFO 8002412405 2022-04-28 1 SCOTT KLETCKE XXX-XX-XXXX MARY JO ALEXANDER P00002534 7709558600 2022-04-28 3 AAL1 IAL1 2021 2022-09-23 18:48:47Z CHRISTINA O'BRIEN 803 WATSON BLVD WARNER ROBINS GA 31093 147788018 0 X HTTPS://WWW.ROBINSFCU.ORG X CREDIT UNION 2016 GA 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. 9 9 556 13 578742 0 0 0 132145248 133846773 12096176 13941245 0 0 144241424 147788018 466952 497876 0 0 31673774 33124914 0 0 0 73735785 68245000 105876511 101867790 38364913 45920228 3340269474 3880052195 2784997196 3308231316 555272278 571820879 TO BE THE FINANCIAL PROVIDER OF CHOICE BY DELIVERING QUALITY FINANCIAL SERVICES CONVENIENTLY AND EFFICIENTLY. 0 0 THE ORGANIZATION IS A STATE-CHARTERED CREDIT UNION THAT OFFERS 239,874 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. 0 0 0 0 0 0 0 1 0 1 1 0 0 1 0 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 1 0 0 0 1 70959 0 1 556 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 GA X SCOTT KLETCKE 8002412405 803 WATSON BLVD WARNER ROBINS GA 31093 CHRISTINA M OBRIEN PRESIDENT/CEO 40.00 X 581619 0 32816 ROBERT L DYAL SR VP OF LENDING 40.00 X 229590 0 107282 ANDREA DENICE COTE SR VP/ CAO 40.00 X 295654 0 40021 SCOTT KLETCKE SR VP /CFO 40.00 X 295679 0 39387 TAMMY L ROSS VP OF BRANCH SRV/OPS 40.00 X 213594 0 40578 JOHN D COZART VP OF TECHNOLOGY 40.00 X 218047 0 34916 JASON C PARKER SR VP RISK MANAGEMENT/ GENERAL COUNSEL 40.00 X 215326 0 16918 HENRY C SLANE III VP OF CARDS & PAYMENT 40.00 X 204253 0 18654 ASHLEY MINSHEW ASST VP OF MORTGAGE 40.00 X 140970 0 22007 SHANNON REAGAN ASST VP OF COMMERCIAL LENDING 40.00 X 144461 0 15810 BARRY BROWN CHAIRMAN 1.00 X X 0 0 0 EDWARD C HILLIARD VICE CHAIRMAN 1.00 X X 0 0 0 JOHN A JONES TREASURER 1.00 X X 0 0 0 MARY EDENFIELD-GIBBS SECRETARY 1.00 X X 0 0 0 DON JARZYNKA BOARD MEMBER 0.50 X 0 0 0 DONALD HANSON BOARD MEMBER 0.50 X 0 0 0 JAMES KIDD BOARD MEMBER 0.50 X 0 0 0 JANE PARKER BOARD MEMBER 0.50 X 0 0 0 MIKE PARKER BOARD MEMBER 0.50 X 0 0 0 2539193 0 368389 24 0 1 0 VISA USA PO BOX 8999 SAN FRANCISCO CA 94128 VISA BRAND LICENSING 2936397 VISA DPS PO BOX 8999 SAN FRANCISCO CA 94128 CREDIT & DEBIT TRANSACTIONS 2566498 VISA INC PO BOX 8999 SAN FRANCISCO CA 94128 VISA QUARTERLY OPERATING 2085205 Q2 SOFTWARE PO BOX 205970 DALLAS TX 75320 ON LINE BANNKING SOLUTION 1955752 OSG GROUP HOLDINGS 100 CHALLENGER RD SUITE 303 RIDGEFIELD NJ 07660 STATEMENTS/NOTICES/POSTAGE 1278014 43 INTEREST ON LOANS 522100 75261658 75261658 OTHER OPERATING INCOME 522100 56256673 55677931 578742 OTHER INCOME 522100 2328442 2328442 133846773 13793020 13793020 80601 67624 0 0 80601 67624 148225 148225 147788018 147061051 578742 148225 497876 1854292 22792194 1584277 5119548 1774603 182501 103807 2034903 3503393 11211652 1891981 245126 2599755 33325 MEMBER REWARDS 18218136 DIVIDENDS ON SHARES 12935878 LOAN SERVICING EXPENSE 8860338 PROVISION FOR LOAN LOSS 5167559 1256646 101867790 116627729 79247255 367451026 415347460 23310661 30977802 1840904053 1847887745 2192068 2727197 59260980 27421327 32577616 31839653 896833394 1380694304 60372927 91330779 3340269474 3880052195 31348400 28666568 887603 658508 2752761193 3278906240 2784997196 3308231316 X 0 0 0 0 555272278 571820879 555272278 571820879 3340269474 3880052195 X 45920228 -27271789 -2099838 X X 0 1 X 1 0 0 1 X 8622320 8622320 32818024 16125656 16692368 195783 195783 0 12963608 9751244 3212364 4661245 1348644 3312601 31839653 FEDERAL AGENCY SECURITIES 1356740343 F FEDERAL HOME LOAN BANK (FHLB) STOCK 1670300 F EQUITY SECURITY - 457(B) PLAN 1800661 F BANK CERTIFICATES 20483000 F 1380694304 ACCRUED DIVIDENDS 207705 SHARES AND DEPOSITS 3278698535 3278906240 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. 1 UNITED WAY OF CENTRAL GEORGIA PO BOX 1302 MACON GA 31202 580639811 501C3 35432 0 SUPPORT THE UNITED WAY OF CENTRAL GEORGIA 21ST CENTURY PARTNERSHIP 804 PARK DRIVE WARNER ROBINS GA 31088 582086757 501C3 35000 0 SUPPORT THE 21ST CENTURY PARTNERSHIP BIG BROTHERS BIG SISTERS OF THE HEART OF GEORGIA 2720 RIVERSIDE DRIVE SUITE 123 MACON GA 31204 580707593 501C3 25000 0 SUPPORT BIG BROTHERS BIG SISTERS OF THE HEART OF GEORGIA CHILDREN FIRST 693 NORTH POPE STREET ATHENS GA 30601 582100852 501C3 20000 0 SUPPORT CHILDREN FIRST RESCUE MISSION OF MIDDLE GEORGIA 774 HAZEL STREET MACON GA 31210 586011446 501C3 20000 0 SUPPORT THE RESCUE MISSION OF MIDDLE GEORGIA MAKE-A-WISH GEORGIA FOUNDATION OF GA INC 1775 THE EXCHANGE SE STE 200 ATLANTA GA 30339 582146828 501C3 20000 0 SUPPORT THE MAKE-A-WISH FOUNDATION MUSEUM OF AVIATION FOUNDATION INC PO BOX 2469 WARNER ROBINS GA 31099 581751656 501C3 15000 0 SUPPORT THE MUSEUM OF AVIATION FOUNDATION TRINITY METHODIST CHURCH FOOD BANK 100 CAMELOT PLACE WARNER ROBINS GA 31093 580898380 501C3 15000 0 SUPPORT TRINITY METHODIST CHURCH FOOD BANK PROJECT SAFE PO BOX 7532 ATHENS GA 30604 581098469 501C3 12000 0 SUPPORT PROJECT SAFE BOYS & GIRLS CLUBS OF BALDWIN & JONES COUNTIES 1140 WEST CHARLTON STREET MILLEDGEVILLE GA 31061 581671393 501C3 10000 0 SUPPORT BOYS & GIRLS CLUBS OF BALDWIN & JONES COUNTIES NEWTOWN MACON INC 555 POPLAR ST MACON GA 31201 582273893 501C3 10000 0 SUPPORT NEWTOWN MACON WOMEN IN NEED OF GOD'S SHELTER (WINGS) PO BOX 31021 DUBLIN GA 31021 581922624 501C3 10000 0 SUPPORT WOMEN IN NEED OF GOD'S SHELTER (WINGS) MEALS ON WHEELS OF MIDDLE GEORGIA 1212 GRAY HIGHWAY SUITE E MACON GA 31211 237412434 501C3 10000 0 SUPPORT MEALS ON WHEELS OF MIDDLE GEORGIA FT VALLEY YOUTH CENTER OF EXCELLENCE 500 RILEY AVENUE FORT VALLEY GA 31030 582471514 501C3 10000 0 SUPPORT FT. VALLEY YOUTH CENTER OF EXCELLENCE BOYS & GIRLS CLUBS OF CENTRAL GEORGIA 277 MLK JR BLVD MACON GA 31201 580621444 501C3 10000 0 SUPPORT BOYS & GIRLS CLUBS OF CENTRAL GEORGIA COMMUNITY OUTREACH SERVICE CENTER 404 DUKE AVENUE WARNER ROBINS GA 31093 582269595 501C3 10000 0 SUPPORT COMMUNITY OUTREACH SERVICE CENTER FERST READERS PO BOX 1327 MADISON GA 30650 582489181 501C3 10000 0 SUPPORT FERST READERS DUBLIN - LAURENS COUNTY HABITAT FOR HUMANITY 400 WOODS AVENUE DUBLIN GA 31021 582037200 501C3 10000 0 SUPPORT DUBLIN - LAURENS COUNTY HABITAT FOR HUMANITY THE SALVATION ARMY 1955 BROADWAY MACON GA 31206 580660607 501C3 10000 0 SUPPORT THE SALVATION ARMY CITY OF WARNER ROBINS PO BOX 8629 WARNER ROBINS GA 31095 586000693 501C3 10000 0 SUPPORT CITY OF WARNER ROBINS ANCHOR OF HOPE FOUNDATION 41 WEST JOHNSON STREET FORSYTH GA 31029 205884469 501C3 10000 0 SUPPORT ANCHOR OF HOPE FOUNDATION UNITED IN PINK 1515 BASS ROAD SUITE H MACON GA 31210 205848087 501C3 8000 0 SUPPORT UNITED IN PINK MACON GEORGIA CHERRY BLOSSOM FESTIVAL INC 794 CHERRY ST MACON GA 31201 581648127 501C3 7500 0 SUPPORT THE EXEMPT PURPOSE OF THE ORGANIZATION NAVICENT HEALTH FOUNDATION 777 HEMLOCK ST MACON GA 31201 237363555 501C3 7186 0 SUPPORT ATRIUM NAVICENT HEALTH CHILDREN'S HOSPITAL 24 0 PART I, LINE 2: THE CREDIT UNION MAINTAINS WRITTEN POLICIES AND PROCEDURES REGARDING THE APPROVAL AND DISTRIBUTION OF DONATIONS TO ORGANIZATIONS. THESE DETAIL ALL REQUIREMENTS FOR THE FUNDS AS WELL AS HOW THE FUNDS ARE TO BE DISTRIBUTED AND USED. X X 1 1 X X X X 0 1 0 CHRISTINA M OBRIEN PRESIDENT/CEO 524992 0 0 0 56627 0 29250 0 3566 0 614435 0 0 0 ROBERT L DYAL SR VP OF LENDING 203890 0 15156 0 10544 0 103623 0 3659 0 336872 0 0 0 ANDREA DENICE COTE SR VP/ CAO 242566 0 20394 0 32694 0 35750 0 4271 0 335675 0 0 0 SCOTT KLETCKE SR VP /CFO 243013 0 20742 0 31924 0 34870 0 4517 0 335066 0 0 0 TAMMY L ROSS VP OF BRANCH SRV/OPS 185493 0 14874 0 13227 0 35750 0 4828 0 254172 0 0 0 JOHN D COZART VP OF TECHNOLOGY 183880 0 15749 0 18418 0 29250 0 5666 0 252963 0 0 0 JASON C PARKER SR VP RISK MANAGEMENT/ GENERAL COUNS 204039 0 8905 0 2382 0 10763 0 6155 0 232244 0 0 0 HENRY C SLANE III VP OF CARDS & PAYMENT 185493 0 15426 0 3334 0 14137 0 4517 0 222907 0 0 0 ASHLEY MINSHEW ASST VP OF MORTGAGE 118542 0 8039 0 14389 0 14427 0 7580 0 162977 0 0 0 SHANNON REAGAN ASST VP OF COMMERCIAL LENDING 116571 0 9598 0 18292 0 10112 0 5698 0 160271 0 0 0 PART I, LINE 3 THE BOARD OF DIRECTORS APPROVES THE CEO SALARY UTILIZING HRN 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. PART I, LINE 4B 457F PLAN PARTICIPANTS: THE ORGANIZATION MADE A CONTRIBUTION TO A 457F PLAN ON BEHALF OF: ROBERT DYAL $ 74,251 SCOTT KLETCKE OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 2250000 2259804 0 1 1 ANDREA COTE KEY EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 1800000 1807844 0 1 1 CHRISTINA O'BRIEN OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 7950000 8026612 0 1 1 JOHN COZART HIGHLY COMPED EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 930000 933942 0 1 1 JOHN RHEA RETIRED OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 16315453 17949600 0 1 1 30977802 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION IS A CREDIT UNION WITH 239,874 MEMBERS AS OF DECEMBER 31, 2021. FORM 990, PART VI, SECTION A, LINE 7A BOARD MEMBERS ARE REPLACED BY THE BOARD NOMINATING COMMITTEE AND APPROVED BY A VOTE OF THE ORGANIZTION'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 HRN 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. FORM 990, PART XI, LINE 9: UNREALIZED LOSS ON SPLIT DOLLAR PLAN -2,099,838. FORM 990 PART XII LINE 2C THERE HAS BEEN NO CHANGE IN THE ORGANIZATION'S SELECTION PROCESS, NOR FINANCIAL STATEMENT AUDIT OVERSIGHT PROCESS. OLUTION OURCE LLC 803 WATSON BLVD WARNER ROBINS GA 310933415 582573600 CREDIT UNION SERVICE ORGANIZATION GA 195 1926787 RFCU