2021-06-02T08:09:42-05:00 2020-12-31 580692043 MAULDIN & JENKINS LLC 200 GALLERIA PKWY SE STE 1700 ATLANTA GA 303395946 990 2020-01-01 580641605 ROBINS FINANCIAL CREDIT UNION ROBI 8002412405 803 WATSON BLVD WARNER ROBINS GA 31093 SCOTT KLETCKE SENIOR VP/CFO 8002412405 2021-06-01 1 SCOTT KLETCKE XXX-XX-XXXX MARY JO ALEXANDER P00002534 7709558600 2021-06-01 3 AAL1 IAL1 2020 2022-09-23 18:48:47Z CHRISTINA O'BRIEN 803 WATSON BLVD WARNER ROBINS GA 31093 144241424 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. 8 8 542 13 488103 0 0 0 124705627 132145248 15576105 12096176 3360 0 140285092 144241424 433361 466952 0 0 30489920 31673774 0 0 0 66899151 73735785 97822432 105876511 42462660 38364913 2738616657 3340269474 2236194903 2784997196 502421754 555272278 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 APPROXIMATELY 226,820 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 66278 0 1 542 1 1 1 0 0 0 0 0 0 0 X 8 8 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 JOHN R RHEA PRESIDENT/CEO 40.00 X 549006 0 41935 CHRISTINA M OBRIEN PRESIDENT/CEO 40.00 X 506360 0 32931 SCOTT A KLETCKE SR VP /CFO 40.00 X 306600 0 37998 ANDREA D COTE SR VP/ CAO 40.00 X 292356 0 40491 ROBERT L DYAL VP OF LENDING & COMMERICAL 40.00 X 209637 0 101079 JOHN D COZART VP OF TECHNOLOGY 40.00 X 216971 0 33288 TAMMY L ROSS VP OF BRANCH SRV/OPS 40.00 X 177262 0 36859 DANIEL S KOMANSKI VP OF RISK 40.00 X 183176 0 20270 CHRIS SLANE VP OF CARDS & PAYMENT SVC 40.00 X 172602 0 19002 BARRY BROWN CHAIRMAN 1.00 X X 0 0 0 EDWARD C HILLIARD VICE CHAIRMAN 1.00 X X 0 0 0 DON JARZYNKA SECRETARY 1.00 X X 0 0 0 JOHN AJONES TREASURER 1.00 X X 0 0 0 JACKIE CLEGHORN BOARD MEMBER 1.00 X 0 0 0 MIKE PARKER BOARD MEMBER 0.50 X 0 0 0 JAMES KIDD BOARD MEMBER 0.50 X 0 0 0 DONALD HANSON BOARD MEMBER 0.50 X 0 0 0 MARY EDENFIELD-GIBBS BOARD MEMBER 0.50 X 0 0 0 2613970 0 363853 17 0 1 0 VISA USA PO BOX 8999 SAN FRANCISCO CA 94128 VISA BRAND LICENSING 2222737 VISA DPS PO BOX 8999 SAN FRANCISCO CA 94128 CREDIT & DEBIT TRANSACTION PROCESSOR 2221099 Q2 SOFTWARE PO BOX 205970 DALLAS TX 75320 ONLINE BANKING SOLUTION 1853048 VISA INC PO BOX 8999 SAN FRANCISCO CA 94128 VISA QUARTERLY OPERATING CERTIFICATE 1708046 OSG GROUP HOLDINGS INC 100 CHALLENGER RD STE 303 RIDGEFIELD PARK NJ 07660 STATEMENTS/NOTICES/POSTAGE 1209475 30 INTEREST ON LOANS 522100 79602933 79602933 OTHER OPERATING INCOME 522100 47880137 47392034 488103 OTHER NON-OPERATING INCOME 522100 4662178 4662178 132145248 11686055 11686055 377522 32599 0 0 377522 32599 410121 410121 144241424 143343200 488103 410121 466952 1807676 21814244 1602106 4769136 1680612 306858 86362 1935148 3324517 11190976 3320520 238166 MEMBER REWARDS 17752568 DIVIDENDS ON SHARES 15982408 PROVISION FOR LOAN LOSS 11410254 LOAN SERVICING EXPENSE 7037311 1150697 105876511 24605766 116627729 184038702 367451026 22001413 23310661 1823851320 1840904053 2184460 2192068 59058876 26481260 33127125 32577616 598368082 896833394 50439789 60372927 2738616657 3340269474 27005974 31348400 896613 887603 2208292316 2752761193 2236194903 2784997196 X 0 0 0 0 502421754 555272278 502421754 555272278 2738616657 3340269474 38364913 14485611 0 X X 0 1 X 1 0 0 1 X 11299539 11299539 32416625 16165461 16251164 195783 195783 0 13239151 10120016 3119135 1907778 1907778 32577616 FEDERAL AGENCY SECURITIES 871788834 F FEDERAL HOME LOAN BANK (FHLB) STOCK 2464900 F EQUITY SECURITY - 457(B) PLAN 1592660 F BANK CERTIFICATES 20987000 F 896833394 ACCRUED DIVIDENDS 261152 SHARES AND DEPOSITS 2752500041 2752761193 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 21ST CENTURY PARTNERSHIP 804 PARK DRIVE WARNER ROBINS GA 31088 582086757 501(C)(3) 35000 SUPPORT 21ST CENTURY PARTNERSHIP'S MISSION GREATER MACON CHAMBER OF COMMERCE INC PO BOX 169 MACON MACON GA 31202 580333200 501(C)(6) 6500 SUPPORT THE MACON CHAMBER OF COMMERCE HEART OF GA DEVELOPMENTAL DISABILITIES MINISTRIES INC 238 HATCHER ROAD WARNER ROBINS GA 31088 202859646 501(C)(3) 5000 SUPPORT HEART OF GEORGIA DDM HOUSTON COUNTY HABITAT FOR HUMANITY PO BOX 7506 WARNER ROBINS GA 31095 581934945 501(C)(3) 5000 SUPPORT THE MISSION OF THE HOUSTON COUNTY HABITAT FOR HUMANITY MACON AREA HABITAT FOR HUMANITY INC 690 HOLT AVE MACON GA 31204 581674696 501(C)(3) 5000 SUPPORT MACON AREA HABITAT FOR HUMANITY MACON GEORGIA CHERRY BLOSSOM FESTIVAL INC 794 CHERRY ST MACON GA 31201 581648127 501(C)(3) 7500 SUPPORT THE EXEMPT PURPOSE OF THE ORGANIZATION MACON OUTREACH 267 FIRST STREET MACON GA 31202 580648689 501(C)(3) 20000 SUPPORT MACON OUTREACH MACON REGIONAL CRIME STOPPERS INC 2760 ROFF AVENUE MACON GA 31204 582549830 501(C)(3) 5000 SUPPORT THE MACON REGIONAL CRIMESTOPPERS MAKE-A-WISH FOUNDATION OF GEORGIA INC 1775 THE EXCHANGE SE STE 200 ATLANTA GA 30339 582146828 501(C)(3) 50000 SUPPORT THE MAKE-A-WISH FOUNDATION MONROE COUNTY HOSPITAL PO BOX 1068 FORSYTH GA 31029 586010602 501(C)(3) 12500 SUPPORT MONROE COUNTY HOSPITAL MUSEUM OF AVIATION AT ROBINS AIR FORCE BASE GEORGIA FOUNDATION INC P O BOX 2469 WARNER ROBINS WARNER ROBINS GA 31099 581751656 501(C)(3) 15000 SUPPORT THE MUSEUM OF AVIATION FOUNDATION NAVICENT HEALTH FOUNDATION 777 HEMLOCK STREET MACON GA 31201 237363555 501(C)(3) 50000 SUPPORT THE CHILDREN'S HOSPITAL NEW TOWN MACON INC 555 POPLAR ST MACON GA 31201 582273893 501(C)(3) 10000 SUPPORT NEWTOWN MACON REBUILDING TOGETHER WARNER ROBBINS INC PO BOX 8664 WARNER ROBINS GA 31095 582282663 501(C)(3) 5000 SUPPORT THE EXEMPT PURPOSE OF REBUILDING TOGETHER RESCUE MISSION OF MIDDLE GEORGIA 774 HAZEL STREET MACON GA 31210 586011446 501(C)(3) 22000 SUPPORT THE RESCUE MISSION OF MIDDLE GEORGIA THE HALO GROUP PO BOX 7837 MACON GA 31069 824565561 501(C)(3) 8000 SUPPORT THE HALO GROUP THE PEACH PIT PO BOX 891 FORT VALLEY GA 31030 472602588 501(C)(3) 10000 SUPPORT THE PEACH PIT THE SALVATION ARMY 1955 BROADWAY MACON GA 31206 580660607 501(C)(3) 36000 SUPPORT THE SALVATION ARMY UNITED IN PINK 1515 BASS ROAD SUITE H MACON GA 31210 205848087 501(C)(3) 5000 SUPPORT UNITED IN PINK UNITED WAY OF CENTRAL GEORGIA PO BOX 1302 MACON GA 312021302 580639811 501(C)(3) 46746 SUPPORT UNITED WAY OF CENTRAL GEORGIA'S MISSION VINE INGLE LITTLE LEAGUE PO BOX 7837 MACON GA 31209 521287675 501(C)(3) 15000 SUPPORT VINE INGLE LITTLE LEAGUE 21 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 X 1 1 X X 0 1 0 JOHN R RHEA PRESIDENT/CEO 350831 0 56738 0 141437 0 35750 0 6185 0 590941 0 0 0 CHRISTINA M OBRIEN PRESIDENT/CEO 381288 0 26162 0 98910 0 29250 0 3681 0 539291 0 0 0 SCOTT A KLETCKE SR VP /CFO 230464 0 21501 0 54635 0 33591 0 4407 0 344598 0 0 0 ANDREA D COTE SR VP/ CAO 226595 0 21478 0 44283 0 35750 0 4741 0 332847 0 0 0 ROBERT L DYAL VP OF LENDING & COMMERICAL 183706 0 17139 0 8792 0 97176 0 3903 0 310716 0 0 0 JOHN D COZART VP OF TECHNOLOGY 174990 0 16108 0 25873 0 29250 0 4038 0 250259 0 0 0 TAMMY L ROSS VP OF BRANCH SRV/OPS 157752 0 13999 0 5511 0 31983 0 4876 0 214121 0 0 0 DANIEL S KOMANSKI VP OF RISK 150875 0 8970 0 23331 0 15262 0 5008 0 203446 0 0 0 CHRIS SLANE VP OF CARDS & PAYMENT SVC 154419 0 14138 0 4045 0 11628 0 7374 0 191604 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 457B PLAN PARTICIPANTS: THE ORGANIZATION MADE A CONTRIBUTION TO A 457B PLAN ON BEHALF OF: JOHN R. RHEA $ 9,750 SCOTT A. KLETCKE 8,427 CHRISTINA M. OBRIEN 9,750 ANDREA DENICE COTE 9,750 JOHN D. COZART 9,750 ROBERT L. DYAL 1,761 DANIEL S. KOMANSKI 8,246 TAMMY L. ROSS 9,750 HENRY C. SLANE III 3,193 SCOTT KLETCKE OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 1750000 2086863 0 1 1 ANDREA COTE KEY EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 1400000 1670090 0 1 1 CHRISTINA O'BRIEN OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 1050000 1253318 0 1 1 JOHN COZART HIGHLY COMPED EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 620000 794295 0 1 1 JOHN RHEA OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 16315453 17506095 0 1 1 23310661 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION IS A CREDIT UNION WITH APPROXIMATELY 226,820 MEMBERS AS OF DECEMBER 31, 2020. 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 ORGANIZATION'S GOVERNING BODY BEFORE IT WAS FILED. 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 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 558 1962560 RFCU