2025-11-17T14:45:15-06:00 2024-12-31 580692043 MAULDIN & JENKINS LLC 200 GALLERIA PKWY SE STE 1700 ATLANTA GA 303395946 990 2024-01-01 580641605 ROBINS FINANCIAL CREDIT UNION ROBI 8002412405 803 WATSON BLVD WARNER ROBINS GA 31093 KEN FREDRIKSEN CFO 8002412405 2025-11-17 1 0 MARY JO ALEXANDER P00002534 7709558600 2025-11-14 2024 2025-03-06 01:10:19Z CHRISTINA O'BRIEN 803 WATSON BLVD WARNER ROBINS GA 31093 252092049 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 9 662 9 623283 0 0 0 180998007 206941039 34985899 44530327 0 44000 215983906 251515366 550326 1000000 0 0 47637427 52526864 0 0 0 107699852 136739084 155887605 190265948 60096301 61249418 4325042301 4587561437 3756207717 3949346254 568834584 638215183 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 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. 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 79031 0 1 662 1 1 1 0 0 0 0 0 1 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 MARIN KOVAROVIC 8002412405 803 WATSON BLVD WARNER ROBINS GA 31093 JOHN A JONES BOARD MEMBER 2.00 X 0 0 0 JOHN KUBINEC BOARD MEMBER 2.00 X 0 0 0 ED WOLFE BOARD MEMBER 2.00 X 0 0 0 TROY HUBBARD BOARD MEMBER 2.00 X 0 0 0 CHRIS DAVIS BOARD MEMBER 2.00 X 0 0 0 DON JARZYNKA CHAIRMAN 2.00 X X 0 0 0 DONALD HANSON SECRETARY 2.00 X X 0 0 0 JANE PARKER TREASURER 2.00 X 0 0 0 MIKE PARKER VICE CHAIRMAN 2.00 X X 0 0 0 BRANT MALONE CHIEF FINANCIAL OFFICER 40.00 X 275188 0 16585 ANDREA DENICE COTE CHIEF GROWTH OFFICER 40.00 X 569983 0 45881 JOHN D COZART CHIEF OPERATIONS OFFICER 40.00 X 348858 0 42623 JASON C PARKER CHIEF RISK OFFICER 40.00 X 322551 0 40435 CHRISTINA M OBRIEN PRESIDENT/CEO 40.00 X 949487 0 45868 AMY ETHERIDGE SVP OF STRATEGY & TRANSFORMATION 40.00 X 272721 0 41802 SHANNON REAGAN VP OF CONSUMER LENDING 40.00 X 217675 0 30033 AMANDA HAWORTH VP OF HR & LEARNING DEVELOPMENT 40.00 X 215757 0 42608 MICHAEL HENRY COMMERCIAL CREDIT OFFICER 40.00 X 247166 0 37412 KEITH BECKHAM SVP OF COMMERCIAL SERVICES 40.00 X 320033 0 47191 ROBERT DYAL SVP OF LENDING 40.00 X 1123589 0 106475 HENRY SLANE III VP OF CARDS & PAYMENTS 40.00 X 266343 0 44277 TAMMY ROSS VP OF SUPPORT OPERATIONS 40.00 X 282779 0 45136 5412130 0 586326 59 0 1 0 VISA USA PO BOX 8999 SAN FRANCISCO CA 94128 VISA BRAND LICENSING 3983514 Q2 SOFTWARE PO BOX 205970 DALLAS TX 75320 ON LINE BANNKING SOLUTION 3742964 VISA DPS PO BOX 8999 SAN FRANCISCO CA 94128 CREDIT & DEBIT TRANSACTIONS 3498249 VISA INC PO BOX 8999 SAN FRANCISCO CA 94128 VISA QUARTERLY OPERATING 2524541 FIS 347 RIVERSIDE AVE JACKSONVILLE FL 32202 CREDIT CARD REWARDS PROGRAM 1997732 44 INTEREST ON LOANS 522100 148507369 148507369 OTHER OPERATING INCOME 522100 56682577 56119565 563012 OTHER INCOME 522100 1751093 1690822 60271 206941039 44119427 44119427 44000 0 44000 44000 44000 939923 47660 0 576683 939923 -529023 410900 410900 251515366 250437183 623283 454900 1000000 3478055 35551872 2541377 8102242 2853318 243219 122861 2471733 3968042 16255366 2655313 442365 404600 3634192 517813 DIVIDENDS ON SHARES 54881681 MEMBER REWARDS 20104243 PROVISION FOR CREDIT LO 13095638 LOAN SERVICING EXPENSE 10814109 7127909 190265948 86006218 91467088 135754996 416943734 33048782 33814139 2477808779 2653626739 2946869 4402432 74609634 34660223 35718208 39949411 6203100 3683950 1393404810 1230340010 49133231 43570978 105017308 69762956 4325042301 4587561437 57918313 44177230 4036306 3561156 3694253098 3901607868 3756207717 3949346254 X 0 0 0 0 568834584 638215183 568834584 638215183 4325042301 4587561437 X 61249418 11651414 -3520233 X X 0 1 X 1 0 0 1 X 11835397 11835397 43742979 20849434 22893545 53929 53929 0 15718355 11949755 3768600 3258974 1807105 1451869 39949411 EQUITY SECURITY - 457(B) PLAN 2381014 F FEDERAL AND STATE AGENCY SECURITIES 1227958996 F 1230340010 ACCRUED DIVIDENDS 2001243 SHARES AND DEPOSITS 3899606625 3901607868 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 277 MARTIN LUTHER KING JR BLVD SUITE 301 MACON GA 31201 871823650 501C3 51251 0 CORPORATE DONATION FOOD BANK OF NORTHEAST GEORGIA 861 NEWTOWN BRIDGE ROAD ATHENS GA 30607 581938066 501C3 50000 0 COMMUNITY PROJECT ROCKDALE COUNTY PUBLIC SCHOOL FOUNDATION PO BOX 82724 CONYERS GA 30013 581826608 501C3 40000 0 COMMUNITY PROJECT 21ST CENTURY PARTNERSHIP 804 PARK DRIVE WARNER ROBINS GA 31088 461112918 501C3 35000 0 ANNUAL FUNDING CHILDREN'S MIRACLE NETWORK FOUNDATION 205 WEST 700 SOUTH SALT LAKE CITY UT 84101 870387205 501C3 31632 0 MIRACLE MAY CORPORATE DONATION MEN ABOUT CHANGE 3805 NAPIER AVE MACON GA 31204 465736874 501C3 30000 0 COMMUNITY PROJECT MIDDLE GEORGIA COMMUNITY ACTION AGENCY 121 PRINCE STREET WARNER ROBINS GA 31093 581192477 501C3 25000 0 COMMUNITY PROJECT RESCUE MISSION OF MIDDLE GEORGIA 6601 ZEBULON ROAD MACON GA 31220 586011446 501C3 25000 0 FIVE STAR GOLF TOURNAMENT NEWTOWN 555 POPLAR STREET MACON GA 31201 582273893 501C3 22000 0 2023 CHRISTMAS LIGHTS & 2024 FIRST FRIDAY SPONSORSHIP MAKE-A-WISH GEORGIA 1755 THE EXCHANGE SE 200 ATLANTA GA 30339 582146828 501C3 20000 0 ADOPT-A-WISH PROGRAM BIBB COUNTY SCHOOL DISTRICT 484 MULBERRY STREET MACON GA 31201 586000191 501C3 15000 0 MCKINNEY-VENTO PROGRAM DONATION CITY OF WARNER ROBINS 700 WATSTON BLVD WARNER ROBINS GA 31093 586000693 501C3 15000 0 INDEPENDENCE DAY CELEBRATION GEORGIA VECTR CENTER 3300 MACON TECH DRIVE BLDG A ROOM 413 MACON GA 31206 581923671 501C3 15000 0 COMMUNITY PROJECT HOUSTON COUNTY BOARD OF EDUCATION PO BOX 1850 PERRY GA 31069 586000264 501C3 15000 0 COMMUNITY PROJECT LAURENS COUNTY SENIOR CENTER 112 NATHANIEL DRIVE EAST DUBLIN GA 31027 586000853 501C3 15000 0 COMMUNITY PROJECT LYDIA'S PLACE 565 JERRY SMITH DRIVE WATKINSVILLE GA 30677 822086532 501C3 15000 0 COMMUNITY PROJECT MUSEUM OF AVIATION FOUNDATION 1942 HERITAGE BLVD WARNER ROBINS GA 31098 581451656 501C3 15000 0 GOLF TOURNAMENTS RONALD MCDONALD HOUSE CHARITIES 1160 FORSYTH STREET MACON GA 31201 582473799 501C3 15000 0 COMMUNITY PROJECT BIGGER VISION OF ATHENS PO BOX 8022 ATHENS GA 30603 208189437 501C3 10000 0 YEAR END DONATION BOYS & GIRLS CLUBS OF METRO ATLANTABARKSDALE BOYS & GIRLS CLUB 2880 DRESDEN DRIVE CHAMBLEE GA 30341 580566123 501C3 10000 0 COMMUNITY PROJECT FAMILY PROMISE OF HOUSTON COUNTY PO BOX 8434 WANER ROBINS GA 31095 452454402 501C3 10000 0 COMMUNITY PROJECT HABITAT FOR HUMANITY MILLEDGEVILLE-BALDWIN COUNTY PO BOX 605 MILLEDGEVILLE GA 31059 582125349 501C3 10000 0 COMMUNITY PROJECT KAY COMMUNITY SERVICE CENTER 213 ALLEN STREET FORT VALLEY GA 31030 581111488 501C3 10000 0 COMMUNITY PROJECT MACON REGIONAL CRIMESTOPPERS PO BOX 6276 MACON GA 31208 582549830 501C3 10000 0 LAW ENFORCEMENT LUNCHEON OTIS REDDING CENTER FOR THE ARTS 339 COTTON AVE MACON GA 31201 582435617 501C3 10000 0 COMMUNITY PROJECT THE SALVATION ARMY 484 HAWTHORNE AVE ATHENS GA 30606 580660607 501C3 10000 0 DONATION ATHENS AREA COMMUNITY FOUNDATION EMPTY STOCKING FUND PO BOX 1543 ATHENS GA 30603 261838979 501C3 6000 0 YEAR END DONATION CAF CENTRAL 500 UNDERWOOD ROAD SUITE 8 MILLEDGEVILLE GA 31061 320449433 501C3 6000 0 YEAR END DONATION CHERISHED CHILDREN DAYCARE CENTER 2300 ELBERTA ROAD CENTERVILLE GA 31028 581030849 501C3 6000 0 YEAR END DONATION GENESIS HOUSE PO BOX 1146 PERRY GA 31069 582502732 501C3 6000 0 YEAR END DONATION HOUSTON COUNTY DEPARTMENT FAMILY & CHILDREN SERVICES 92 COHEN WALKER DRIVE WARNER ROBINS GA 31088 586001069 501C3 6000 0 YEAR END DONATION PERRY VOLUNTEER OUTREACH 1100 MEETING STREET PERRY GA 31069 311775518 501C3 6000 0 YEAR END DONATION ROBINS AIRMAN AND FAMILY READINESS ACTIVITIES COUNCIL 725 NINTH STREET ROBINS AFB GA 31098 800106476 501C3 6000 0 YEAR END DONATION TOYS FOR TOTS 2108 HIWASSEE DRIVE BONAIRE GA 31005 203021444 501C3 6000 0 YEAR END DONATION MIDDLE GEORGIA COMMUNITY FOOD BANK 4490 OCMULGEE EAST BLVD MACON GA 31217 582484086 501C3 5550 0 YEAR END DONATION 35 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 1 1 X X X 0 1 0 ROBERT DYAL SVP OF LENDING 266093 0 51623 0 805873 0 101892 0 4583 0 1230064 0 785827 0 CHRISTINA M OBRIEN PRESIDENT/CEO 654682 0 206712 0 88093 0 42000 0 3868 0 995355 0 0 0 ANDREA DENICE COTE CHIEF GROWTH OFFICER 432934 0 92498 0 44551 0 42000 0 3881 0 615864 0 0 0 JOHN D COZART CHIEF OPERATIONS OFFICER 276592 0 46461 0 25805 0 34500 0 8123 0 391481 0 0 0 KEITH BECKHAM SVP OF COMMERCIAL SERVICES 264145 0 51241 0 4647 0 42000 0 5191 0 367224 0 0 0 JASON C PARKER CHIEF RISK OFFICER 278279 0 42101 0 2171 0 34500 0 5935 0 362986 0 0 0 TAMMY ROSS VP OF SUPPORT OPERATIONS 228421 0 33428 0 20930 0 42000 0 3136 0 327915 0 0 0 AMY ETHERIDGE SVP OF STRATEGY & TRANSFORMATION 226211 0 32396 0 14114 0 34500 0 7302 0 314523 0 0 0 HENRY SLANE III VP OF CARDS & PAYMENTS 225379 0 34978 0 5986 0 38134 0 6143 0 310620 0 0 0 BRANT MALONE CHIEF FINANCIAL OFFICER 151009 0 46880 0 77299 0 13513 0 3072 0 291773 0 0 0 MICHAEL HENRY COMMERCIAL CREDIT OFFICER 228446 0 16412 0 2308 0 30500 0 6912 0 284578 0 0 0 AMANDA HAWORTH VP OF HR & LEARNING DEVELOPMENT 178148 0 27100 0 10509 0 38836 0 3772 0 258365 0 0 0 SHANNON REAGAN VP OF CONSUMER LENDING 184357 0 3995 0 29323 0 20206 0 9827 0 247708 0 0 0 PART I, LINE 3 THE BOARD OF DIRECTORS APPROVES THE CEO SALARY UTILIZING HR 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 $ 61,877 JOHN COZART OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 1085000 1471201 0 1 1 ANDREA COTE KEY EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 2000000 2116319 0 1 1 SCOTT KLETCKE RETIRED OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 2500000 2645399 0 1 1 CHRISTINA O'BRIEN OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 8100000 8682938 0 1 1 JOHN RHEA RETIRED OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 16315453 18898282 0 1 1 33814139 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION IS A CREDIT UNION WITH 271,382 MEMBERS AS OF DECEMBER 31, 2024. FORM 990, PART VI, SECTION A, LINE 7A BOARD MEMBERS ARE REPLACED BY THE BOARD NOMINATING COMMITTEE AND APPROVED BY A VOTE OF THE ORGANIZATION'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 HR 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 GAIN ON SPLIT DOLLAR PLAN -3,520,233. 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 340 1928063 RFCU