Robins Financial Credit Union
Total assets
$4.91B
▲ +3.5% YoY
Shares & deposits
$4.07B
▲ +1.4% YoY
Loans
$2.82B
▲ +4.0% YoY
Members
272,542
▲ +0.0% YoY
ROA (annualized)
1.79%
peers 0.71%
ROE (annualized)
10.31%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.1% | -1.7 pts |
| Share growth (YoY) | +1.4% | +4.9% | -3.5 pts |
| Loan growth (YoY) | +4.0% | +5.4% | -1.4 pts |
| ROA | 1.79% | 0.71% | +1.1 pts |
| ROE | 10.3% | 6.3% | +4.0 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 6849, Warner Robins, GA, 31095
- NCUA charter #
- 68670
- RSSD ID
- 410784
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.91B | $4.07B | $2.82B | $851.0M | $21.9M | 1.79% | 3.45% | 0.33% | 272,542 |
| Q4 2025 | $4.79B | $3.97B | $2.80B | $829.0M | $79.1M | 1.65% | 3.44% | 0.45% | 271,656 |
| Q3 2025 | $4.72B | $3.91B | $2.78B | $810.8M | $60.9M | 1.72% | 3.43% | 0.38% | 272,649 |
| Q2 2025 | $4.71B | $3.94B | $2.78B | $788.9M | $39.0M | 1.66% | 3.35% | 0.30% | 272,965 |
| Q1 2025 | $4.74B | $4.02B | $2.71B | $771.8M | $20.7M | 1.74% | 3.22% | 0.24% | 272,531 |
| Q4 2024 | $4.59B | $3.90B | $2.68B | $751.1M | $61.2M | 1.34% | 2.99% | 0.38% | 271,382 |
| Q3 2024 | $4.57B | $3.87B | $2.65B | $737.2M | $43.9M | 1.28% | 2.94% | 0.41% | 271,332 |
| Q2 2024 | $4.51B | $3.83B | $2.62B | $721.3M | $27.9M | 1.24% | 2.90% | 0.37% | 270,545 |
Loan mix (Q1 2026): real estate $750.5M · commercial $368.1M · consumer $1.66B · securities $1.28B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 0.71% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 6.3% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.32% | 58th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.7% | 73.0% | 6th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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