2024-08-23T16:38:02-05:00 2023-12-31 580692043 MAULDIN & JENKINS LLC 200 GALLERIA PKWY SE STE 1700 ATLANTA GA 303395946 990 2023-01-01 580641605 ROBINS FINANCIAL CREDIT UNION ROBI 8002412405 803 WATSON BLVD WARNER ROBINS GA 31093 CHRISTINA O'BRIEN CEO 8002412405 2024-08-21 1 0 MARY JO ALEXANDER P00002534 7709558600 2024-08-21 2023 2024-08-08 14:25:15Z CHRISTINA O'BRIEN 803 WATSON BLVD WARNER ROBINS GA 31093 215983906 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 9 645 11 582609 0 0 0 142509174 180998007 26865674 34985899 0 0 169374848 215983906 731437 550326 0 0 40953490 47637427 0 0 0 78031550 107699852 119716477 155887605 49658371 60096301 4329298307 4325042301 3853802119 3756207717 475496188 568834584 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 267,868 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 76688 0 1 645 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 MARIN KOVAROVIC 8002412405 803 WATSON BLVD WARNER ROBINS GA 31093 CHRISTINA M O'BRIEN PRESIDENT/CEO 40.00 X 854500 0 45746 ANDREA DENICE COTE SR VP/ CAO 40.00 X 462816 0 45796 ROBERT L DYAL SR VP OF LENDING 40.00 X 322391 0 119177 JOHN D COZART SR VP OF TECHNOLOGY 40.00 X 325051 0 41753 KEITH BECKHAM SR VP OF CS 40.00 X 305766 0 32109 JASON C PARKER SR VP OF RISK 40.00 X 305834 0 23831 SCOTT KLETCKE SR VP /CFO 40.00 X 287478 0 42141 TAMMY L ROSS VP OF BRANCH SRV/OPS 40.00 X 282079 0 46790 BRANT MALONE CHIEF FINANCIAL OFFICER 40.00 X 235893 0 27754 DON JARZYNKA CHAIRMAN 2.00 X X 0 0 0 MIKE PARKER VICE CHAIRMAN 2.00 X X 0 0 0 DONALD HANSON SECRETARY 2.00 X X 0 0 0 EDWARD C HILLIARD PAST CHAIR 2.00 X 0 0 0 JANE PARKER TREASURER 2.00 X 0 0 0 JOHN A JONES BOARD MEMBER 2.00 X 0 0 0 BARRY BROWN BOARD MEMBER 2.00 X 0 0 0 JAMES KIDD BOARD MEMBER 2.00 X 0 0 0 TROY HUBBARD BOARD MEMBER 2.00 X 0 0 0 JOHN KUBINEC BOARD MEMBER 2.00 X 0 0 0 EDWIN WOLFE BOARD MEMBER 2.00 X 0 0 0 3381808 0 425097 34 0 1 0 VISA USA PO BOX 8999 SAN FRANCISCO CA 94128 VISA BRAND LICENSING 3583831 VISA DPS PO BOX 8999 SAN FRANCISCO CA 94128 CREDIT & DEBIT TRANSACTIONS 3206823 Q2 SOFTWARE PO BOX 205970 DALLAS TX 75320 ON LINE BANNKING SOLUTION 3074031 VISA INC PO BOX 8999 SAN FRANCISCO CA 94128 VISA QUARTERLY OPERATING 2355398 MEMBERSHIP ATM ALLIANCE 2810 PREMIERE PKWY SUITE 150 DULUTH GA 30097 ATM FLEET MANAGEMENT 1121645 42 INTEREST ON LOANS 522100 123550159 123550159 OTHER OPERATING INCOME 522100 56085482 55507873 577609 OTHER INCOME 522100 1362366 1357366 5000 180998007 33996909 33996909 646196 342794 0 0 646196 342794 988990 988990 215983906 214412307 582609 988990 550326 2002125 34588357 2082141 6366407 2598397 193027 95905 3100192 3695989 14998710 2425105 368302 3196403 471411 DIVIDENDS ON SHARES 31087321 MEMBER REWARDS 19455661 LOAN SERVICING EXPENSE 11893173 PROVISION FOR CREDIT LO 9008622 7710031 155887605 95673834 86006218 123930602 135754996 32302907 33048782 2282059038 2477808779 3069104 2946869 67779243 32061035 38951966 35718208 2934300 6203100 1590549485 1393404810 54695484 49133231 105131587 105017308 4329298307 4325042301 54256403 57918313 2680619 4036306 3796865097 3694253098 3853802119 3756207717 X 0 0 0 0 475496188 568834584 475496188 568834584 4329298307 4325042301 X 60096301 36420790 -3178695 X X 0 1 X 1 0 0 1 X 11755396 11755396 38125280 18870583 19254697 196183 196183 0 14657735 11279130 3378605 3044649 1715139 1329510 35718208 EQUITY SECURITY - 457(B) PLAN 1603088 F FEDERAL AND STATE AGENCY SECURITIES 1391801722 F 1393404810 ACCRUED DIVIDENDS 1314851 SHARES AND DEPOSITS 3641938247 SECURED LINE OF CREDIT 51000000 3694253098 216243630 259724 259724 215983906 0 215983906 155887605 0 155887605 0 155887605 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 301 MULBERRY STREET MACON GA 31201 580639811 501C3 45784 0 CORPORATE DONATION 21ST CENTURY PARTNERSHIP 804 PARK DRIVE WARNER ROBINS GA 31088 461112918 501C3 35000 0 ANNUAL FUNDING GRACE HOUSE 203 CENTRAL AVE FORT VALLEY GA 31030 651186837 501C3 25000 0 FACILITY UPGRADE/FOOD PURCHASE/TRUCK TIRES COMMUNITIES IN SCHOOL OF MILLEDGEVILLE BALDWIN COUNTY GCSU CBX 040 MILLEDGEVILLE GA 31059 270521158 501C3 21950 0 HIGH SCHOOL PROMISE RAINBOW HOUSE CHILDREN'S RESOURCE CENTER 225 SMITHVILLE CHURCH ROAD WARNER ROBINS GA 31088 581651220 501C3 21200 0 CORTEXFLO EQUIPMENT RESCUE MISSION OF MIDDLE GEORGIA 6601 ZEBULON ROAD MACON GA 31220 586011446 501C3 20000 0 FIVE STAR GOLF TOURNAMENT MAKE-A-WISH FOUNDATION OF GEORGIA 1755 THE EXCHANGE SE 200 ATLANTA GA 30339 582146828 501C3 20000 0 WISH GRANTOR MUSEUM OF AVIATION FOUNDATION 1942 HERITAGE BLVD WARNER ROBINS GA 31098 581451656 501C3 15000 0 GOLF TOURNAMENT NAVICENT HEALTH FOUNDATION 3330 NORTHSIDE DRIVE 100 MACON GA 31210 870387205 501C3 13880 0 CHILDREN'S MIRACLE NETWORK MIRACLE MAY - VISA BONUS NEWTOWN MACON 555 POPLAR STREET MACON GA 31201 582273893 501C3 12000 0 FIRST FRIDAY SPONSORSHIP CAMP BIG HEART PO BOX 633 BONAIRE GA 31005 861088783 501C3 10450 0 CAMP BIG HEART 2023 CITY OF WARNER ROBINS 700 WATSTON BLVD WARNER ROBINS GA 31093 586000693 170C1 10000 0 INDEPENDENCE DAY CELEBRATION MACON REGIONAL CRIMESTOPPERS PO BOX 6276 MACON GA 31208 582549830 501C3 10000 0 LAW ENFORCEMENT LUNCHEON CAF CENTRAL 500 UNDERWOOD ROAD SUITE 8 MILLEDGEVILLE GA 31061 320449433 501C3 10000 0 WARMING TOWER EQUIPMENT PURCHASE UNITED WAY OF CENTRAL GEORGIABROOKDALE RESOURCE 277 MARTIN LUTHER KING JR BLVD SUITE 301 MACON GA 31201 871823650 501C3 10000 0 HELLO HOUSE LAUNDRY DAYBREAK 174 WALNUT STREET MACON GA 31201 352338110 501C3 10000 0 ENHANCE/REPLACE EQUIPMENT MIDDLE GEORGIA COMMUNITY FOOD BANK 4490 OCMULGEE EAST BLVD MACON GA 31217 582484086 501C3 10000 0 PARK-IT MARKET TWIN CEDARS YOUTH AND FAMILY SERVICESGEORGIA INDUSTRIAL CHILDREN'S 4690 N MUMFORD ROAD MACON GA 31210 581413499 501C3 10000 0 COTTAGE UPGRADES FAMILY PROMISE OF ATHENS PO BOX 581 ATHENS GA 30603 571154361 501C3 10000 0 STABILIZATION PROGRAM EMANUEL COUNTY CHILD ABUSE PREVENTION CENTER SUNSHINE HOUSE 328 W MAIN STREET SWAINSBORO GA 30401 581962113 501C3 10000 0 REGIONAL MULTIDISCIPLINARY TEAM TRAINING JOY HEALTH CLINIC 410 ACADEMY AVE DUBLIN GA 31021 455245608 501C3 10000 0 PURCHASE NEW COPIER & DESKTOP COMPUTERS WOMEN IN NEED OF GOD'S SHELTER PO BOX 8277 DUBLIN GA 31040 581922624 501C3 10000 0 WINGS EMERGENCY SHELTER FERST READERS PO BOX 1327 MADISON GA 30650 582489181 501C3 10000 0 IMPROVING CHILDHOOD LITERACY CHERRY BLOSSOM FESTIVAL 794 CHERRY STREET MACON GA 31201 581648127 501C3 7500 0 PIN SPONSORSHIP PERRY AREA CHAMBER OF COMMERCE 900 CARROLL STREET PERRY GA 31069 580656401 501C3 6000 0 FREEDOM FIREWORKS MILITARY/HOMETOWN HERO & DOGWOOD ADULT ZONE HOUSTON COUNTY ASSOCIATION OF EXCEPTIONAL CITIZENS HAPPY HOUR 202 N DAVIS DRIVE WARNER ROBINS GA 31098 580687548 501C3 6000 0 MEDICAL EQUIPMENT 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 0 1 0 CHRISTINA M O'BRIEN PRESIDENT/CEO 613418 0 152625 0 88457 0 41250 0 4496 0 900246 0 0 0 ANDREA DENICE COTE SR VP/ CAO 371198 0 59390 0 32228 0 41250 0 4546 0 508612 0 0 0 ROBERT L DYAL SR VP OF LENDING 257241 0 50118 0 15032 0 113923 0 5254 0 441568 0 0 0 JOHN D COZART SR VP OF TECHNOLOGY 257241 0 43853 0 23957 0 33750 0 8003 0 366804 0 0 0 KEITH BECKHAM SR VP OF CS 254806 0 48801 0 2159 0 26538 0 5571 0 337875 0 0 0 JASON C PARKER SR VP OF RISK 261675 0 41347 0 2812 0 14761 0 9070 0 329665 0 0 0 SCOTT KLETCKE SR VP /CFO 161378 0 48997 0 77103 0 38624 0 3517 0 329619 0 0 0 TAMMY L ROSS VP OF BRANCH SRV/OPS 221627 0 45634 0 14818 0 41250 0 5540 0 328869 0 0 0 BRANT MALONE CHIEF FINANCIAL OFFICER 225392 0 0 0 10501 0 23045 0 4709 0 263647 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 $ 74,251 JOHN COZART HIGHLY COMPED EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 1085000 1284939 0 1 1 ANDREA COTE KEY EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 2000000 2078982 0 1 1 SCOTT KLETCKE OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 2500000 2598728 0 1 1 CHRISTINA O'BRIEN OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 8100000 8510104 0 1 1 JOHN RHEA RETIRED OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 16315453 18576029 0 1 1 33048782 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION IS A CREDIT UNION WITH 267,868 MEMBERS AS OF DECEMBER 31, 2023. 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 259,724. ONE-TIME ADJUST: ADOPTION OF CURRENT EXPECTED CREDIT LOSS ACCTG STANDARD -3,438,419. 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 671 1961115 RFCU