2023-05-16T11:21:37-05:00 2022-12-31 580692043 MAULDIN & JENKINS LLC 200 GALLERIA PKWY SE STE 1700 ATLANTA GA 303395946 990 2022-01-01 580641605 ROBINS FINANCIAL CREDIT UNION ROBI 8002412405 803 WATSON BLVD WARNER ROBINS GA 31093 SCOTT KLETCKE SENIOR VP/CFO 8002412405 2023-05-16 1 SCOTT KLETCKE XXX-XX-XXXX 1 MARY JO ALEXANDER P00002534 7709558600 2023-05-15 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z CHRISTINA O'BRIEN 803 WATSON BLVD WARNER ROBINS GA 31093 169398266 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 9 655 12 611289 0 0 0 133846773 142509174 13941245 26865674 0 0 147788018 169374848 497876 731437 0 0 33124914 40953490 0 0 0 68245000 78031550 101867790 119716477 45920228 49658371 3880052195 4329298307 3308231316 3853802119 571820879 475496188 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 261,160 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 82008 0 1 655 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 722136 0 41296 SCOTT KLETCKE SR VP /CFO 40.00 X 338563 0 42429 ROBERT L DYAL SR VP OF LENDING 40.00 X 266566 0 111684 ANDREA DENICE COTE SR VP/ CAO 40.00 X 324530 0 41916 JOHN D COZART SR VP OF TECHNOLOGY 40.00 X 256634 0 37190 TAMMY L ROSS VP OF BRANCH SRV/OPS 40.00 X 233699 0 42300 JASON C PARKER SR VP OF RISK 40.00 X 255513 0 19986 HENRY C SLANE III VP OF CARDS & PAYMENT 40.00 X 222234 0 23574 AMY ETHERIDGE VP OF DELIVERY CHANNELS 40.00 X 192380 0 36676 ANTHONY HAYES VP OF COMMERCIAL LENDING 40.00 X 186333 0 26378 EDWARD C HILLIARD CHAIRMAN 3.00 X X 0 0 0 DON JARZYNKA VICE CHAIRMAN 3.00 X X 0 0 0 BARRY BROWN TREASURER 3.00 X X 0 0 0 MIKE PARKER SECRETARY 2.00 X X 0 0 0 JANE PARKER BOARD MEMBER 2.00 X 0 0 0 JOHN A JONES BOARD MEMBER 1.50 X 0 0 0 DONALD HANSON BOARD MEMBER 1.50 X 0 0 0 JAMES KIDD BOARD MEMBER 1.50 X 0 0 0 TROY HUBBARD BOARD MEMBER 2.00 X 0 0 0 2998588 0 423429 32 0 1 0 VISA USA PO BOX 8999 SAN FRANCISCO CA 94128 VISA BRAND LICENSING 3305480 VISA DPS PO BOX 8999 SAN FRANCISCO CA 94128 CREDIT & DEBIT TRANSACTIONS 2796005 Q2 SOFTWARE PO BOX 205970 DALLAS TX 75320 ON LINE BANNKING SOLUTION 2384955 VISA INC PO BOX 8999 SAN FRANCISCO CA 94128 VISA QUARTERLY OPERATING 2286312 OSG GROUP HOLDINGS 100 CHALLENGER RD SUITE 303 RIDGEFIELD NJ 07660 STATEMENTS/NOTICES/POSTAGE 1558440 42 INTEREST ON LOANS 522100 83822298 83822298 OTHER OPERATING INCOME 522100 57177544 56566255 611289 OTHER INCOME 522100 1509332 1509332 142509174 26889092 26889092 23418 -23418 -23418 -23418 169374848 168786977 611289 -23418 731437 2164617 28948672 1439723 6224226 2176252 197891 86510 2626761 3612100 12550391 2084682 350437 2827030 410251 MEMBER REWARDS 18304383 DIVIDENDS ON SHARES 14398914 LOAN SERVICING EXPENSE 10059733 PROVISION FOR LOAN LOSS 6878584 3643883 119716477 79247255 95673834 415347460 123930602 30977802 32302907 1847887745 2282059038 2727197 3069104 68682352 29730386 31839653 38951966 1380694304 1593483785 54695484 91330779 105131587 3880052195 4329298307 28666568 53489029 658508 767374 3278906240 3799545716 3308231316 3853802119 X 0 0 0 0 571820879 475496188 571820879 475496188 3880052195 4329298307 X 49658371 -146220397 237335 X X 0 1 X 1 0 0 1 X 10873320 10873320 38972732 17534419 21438313 196183 196183 0 13842590 10451595 3390995 4797527 1548189 3249338 38951966 FEDERAL AGENCY SECURITIES 1567998622 F FEDERAL HOME LOAN BANK (FHLB) STOCK 2934300 F EQUITY SECURITY - 457(B) PLAN 1570958 F BANK CERTIFICATES 19730000 F HELD TO MATURITY DEBT SECURITIES 1249905 F 1593483785 ACCRUED DIVIDENDS 273797 SHARES AND DEPOSITS 3799271919 3799545716 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 SOUTHEASTERN TECHNICAL COLLEGE FOUNDATION 3001 E FIRST STREET VIDALIA GA 30474 581861068 501C3 50000 0 COMMUNITY PROJECT CRISIS LINE & SAFE HOUSE 915 HILL PARK SUITE 100C MACON GA 31201 581329248 501C3 46000 0 COMMUNITY PROJECT UNITED WAY OF CENTRAL GEORGIA 277 MARTIN LUTHER KING JR BLVD UNIT 301 MACON GA 31201 580639811 501C3 38454 0 SUPPORT THE UNITED WAY OF CENTRAL GA 21ST CENTURY PARTNERSHIP 804 PARK DRIVE WARNER ROBINS GA 31088 461112918 501C3 35000 0 SUPPORT THE 21ST CENTURY PARTNERSHIP MEN ABOUT CHANGE 3805 NAPIER AVENUE MACON GA 31204 465736874 501C3 30000 0 COMMUNITY PROJECT FAMILY COUNSELING CENTER OF CENTRAL GA 277 MARTIN LUTHER KING JR BLVD SUITE 203 MACON GA 31201 580684376 501C3 25000 0 COMMUNITY PROJECT MUSEUM OF ARTS AND SCIENCES 4182 FORSYTH ROAD MACON GA 31210 580806933 501C3 25000 0 COMMUNITY PROJECT FEED CENTER OUTREACH MINISTRY 313 CARVER DRIVE FORT VALLEY GA 31030 203390354 501C3 20500 0 COMMUNITY PROJECT RESCUE MISSION OF MIDDLE GA 6601 ZEBULON ROAD MACON GA 31220 586011446 501C3 20000 0 SUPPORT RESCUE MISSION OF MIDDLE GA ATHENS LAND TRUST 685 N POPE STREET ATHENS GA 30601 582154133 501C3 20000 0 COMMUNITY PROJECT GENESIS HOUSE FOR HOMELESS PO BOX 1146 PERRY GA 31069 582502732 501C3 20000 0 COMMUNITY PROJECT HOUSTON COUNTY BOARD OF EDUCATION PO BOX 1850/ 1100 MAIN STREET PERRY GA 31069 586000264 501C3 20000 0 COMMUNITY PROJECT TLC CHILDREN'S SERVICES PO BOX 16322 DUBLIN GA 31040 582134530 501C3 20000 0 COMMUNITY PROJECT BOOKS FOR KEEPS PO BOX 49761 ATHENS GA 30604 274714080 501C3 16000 0 COMMUNITY PROJECT LOAVES AND FISHES MINISTRY PO BOX 825 MACON GA 31202 581880653 501C3 15000 0 COMMUNITY PROJECT RONALD MCDONALD HOUSE CHARITIES 1160 FORSYTH STREET MACON GA 31201 582473799 501C3 15000 0 COMMUNITY PROJECT METHODIST CHILDREN'S HOME 304 PIERCE AVENUE MACON GA 31204 580622971 501C3 15000 0 COMMUNITY PROJECT PREVENT CHILD ABUSE ATHENS BRIGHTPATHS 1551 JENNINGS MILL ROAD SUITE 700A WATKINSVILLE GA 30677 581775882 501C3 15000 0 COMMUNITY PROJECT REHOBOTH LIFE CARE MINISTRIES 3208 US HWY 41 N BYRON GA 31008 271850386 501C3 15000 0 COMMUNITY PROJECT CITY OF WARNER ROBINS POBOX 8629 WARNER ROBINS GA 31095 586000693 501C3 10000 0 SUPPORT THE CITY OF WARNER ROBINS MACON REGIONAL CRIMESTOPPERS 2760 ROFF AVENUE MACON GA 31204 582549830 501C3 10000 0 SUPPORT MACON REGIONAL CRIMESTOPPERS MAKE A WISH GEORGIA 1775 THE EXCHANGE SE SUITE ATLANTA GA 30339 582146828 501C3 10000 0 SUPPORT MAKE A WISH GA MUSEUM OF AVIATION FOUNDATION PO BOX 2469 WARNER ROBINS GA 31099 581451656 501C3 10000 0 SUPPORT THE MUSEUM OF AVIATION FOUNDATION NEWTOWN MACON 555 POPLAR STREET MACON GA 31201 582273893 501C3 10000 0 SUPPORT NEWTOWN MACON HOUSTON COUNTY VOLUNTEER MEDICAL CLINIC 125 RUSSELL PARKWAY WARNER ROBINS GA 31088 201859450 501C3 10000 0 SUPPORT HC VOLUNTEER MED CLINIC LYDIA'S PLACE 565 JERRY SMITH DRIVE UNIT 1 WATKINSVILLE GA 30677 822086532 501C3 10000 0 COMMUNITY PROJECT PEACH ASSOCIATION FOR THE INTELLECTUAL DISABLED KAY COMMUNITY SERVICE CENTE 213 ALLEN STREET FORT VALLEY GA 31030 581111488 501C3 10000 0 COMMUNITY PROJECT NAVICENT HEALTH FOUNDATION 777 HEMLOCK STREET MACON GA 31201 237363555 501C3 9303 0 SUPPORT THE CHILDREN'S HOSPITAL CHERRY BLOSSOM FESTIVAL 794 CHERRY STREET MACON GA 31201 581648127 501C3 7500 0 SUPPORT THE CHERRY BLOSSOM FESTIVAL SACRED HEART CATHOLIC CHURCH 300 SOUTH DAVIS DRIVE WARNER ROBINS GA 31088 580834912 501C3 7500 0 COMMUNITY PROJECT 37 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 0 1 0 CHRISTINA M OBRIEN PRESIDENT/CEO 547109 0 115500 0 59527 0 37250 0 4046 0 763432 0 0 0 SCOTT KLETCKE SR VP /CFO 275516 0 21712 0 41335 0 37157 0 5272 0 380992 0 0 0 ROBERT L DYAL SR VP OF LENDING 231670 0 16780 0 18116 0 107601 0 4083 0 378250 0 0 0 ANDREA DENICE COTE SR VP/ CAO 275516 0 22018 0 26996 0 37250 0 4666 0 366446 0 0 0 JOHN D COZART SR VP OF TECHNOLOGY 221514 0 18462 0 16658 0 30750 0 6440 0 293824 0 0 0 TAMMY L ROSS VP OF BRANCH SRV/OPS 202649 0 16307 0 14743 0 37250 0 5050 0 275999 0 0 0 JASON C PARKER SR VP OF RISK 233555 0 20652 0 1306 0 12776 0 7210 0 275499 0 0 0 HENRY C SLANE III VP OF CARDS & PAYMENT 202649 0 15608 0 3977 0 18302 0 5272 0 245808 0 0 0 AMY ETHERIDGE VP OF DELIVERY CHANNELS 167498 0 10173 0 14709 0 29488 0 7188 0 229056 0 0 0 ANTHONY HAYES VP OF COMMERCIAL LENDING 174566 0 7543 0 4224 0 19567 0 6811 0 212711 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 SCOTT KLETCKE OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 2500000 2553011 0 1 1 ANDREA COTE KEY EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 2000000 2042409 0 1 1 CHRISTINA O'BRIEN OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 8100000 8341183 0 1 1 JOHN COZART HIGHLY COMPED EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 1085000 1106176 0 1 1 JOHN RHEA RETIRED OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 16315453 18260128 0 1 1 32302907 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION IS A CREDIT UNION WITH 261,160 MEMBERS AS OF DECEMBER 31, 2022. 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 LOSS ON SPLIT DOLLAR PLAN 237,335. 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 185 1997455 RFCU