2019-04-30T14:34:53-05:00 2018-12-31 580692043 MAULDIN & JENKINS LLC 200 GALLERIA PKWY SE STE 1700 ATLANTA GA 303395946 990 2018-01-01 580641605 ROBINS FINANCIAL CREDIT UNION ROBI 8002412405 803 WATSON BLVD WARNER ROBINS GA 31093 SCOTT KLETCKE SENIOR VP/CFO 8002412405 2019-04-29 1 MARY JO ALEXANDER P00002534 7709558600 2019-04-29 50.192.51.169 2019-04-29 11:10:03 ED P DB5B28BB3046A774B542A73FE33C39E143E6A466 2807C520933774BDC2D8B53DAA913DB61FEC99C8 2018 2020-01-14 16:20:31Z SCOTT KLETCKE 803 WATSON BLVD WARNER ROBINS GA 31093 126562291 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 9 509 12 544273 0 0 0 97227876 112551415 13877664 13966626 0 0 111105540 126518041 216755 398963 0 0 26416222 26438217 0 0 0 51628819 58758307 78261796 85595487 32843744 40922554 2383368780 2509837153 1976815148 2066071639 406553632 443765514 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 202,991 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 1 1 0 1 0 0 0 0 0 0 0 0 1 0 0 0 1 55315 0 1 509 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 JACKIE CLEGHORN TREASURER 1.00 X X 0 0 0 JOHN AJONES CHAIRMAN 1.00 X X 0 0 0 BARRY BROWN SECRETARY 1.00 X X 0 0 0 MARY EDENFIELD-GIBBS BOARD MEMBER 0.50 X 0 0 0 DONALD HANSON BOARD MEMBER 0.50 X 0 0 0 EDWARD C HILLIARD BOARD MEMBER 0.50 X 0 0 0 JAMES KIDD VICE CHAIRMAN 0.50 X X 0 0 0 DON JARZYNKA BOARD MEMBER 0.50 X 0 0 0 MIKE PARKER BOARD MEMBER 0.50 X 0 0 0 JOHN R RHEA PRESIDENT/CEO 40.00 X 645740 0 53452 SCOTT A KLETCKE SR VP /CFO 40.00 X 293460 0 35503 CHRISTINA M OBRIEN EXECUTIVE VICE PRESIDENT 40.00 X 297598 0 40928 ANDREA D COTE SR VP/ CAO 40.00 X 276166 0 48134 JOHN D COZART VP OF TECHNOLOGY 40.00 X 184638 0 39617 KATHY S SIANIS VP OF BRANCH SRV/OPS 40.00 X 203875 0 28431 ROBERT L DYAL VP OF LENDING & COMMERICAL 40.00 X 180337 0 23877 DANIEL KOMANSKI VP OF RISK MANAGEMENT 40.00 X 161024 0 29760 2242838 0 299702 35 0 1 0 WARREN ASSOCIATES INC PO BOX 6098 MACON GA 31028 GENERAL CONTRACTOR 3655550 VISA DPS PO BOX 8999 SAN FRANCISCO CA 94128 CREDIT & DEBIT TRANSACTION PROCESSOR 2078165 VISA USA PO BOX 8999 SAN FRANCISCO CA 94128 VISA BRAND LICENSING 1494645 Q2 SOFTWARE PO BOX 205970 DALLAS TX 75320 ONLINE BANKING SOLUTION 1355732 VISA INC PO BOX 8999 SAN FRANCISCO CA 94128 VISA QUARTERLY OPERATING CERTIFICATE 1351004 5 INTEREST ON LOANS 522100 65378000 65378000 OTHER OPERATING INCOME 522100 44975685 44433111 542574 OTHER NON-OPERATING INCOME 522100 2197730 2196031 1699 112551415 13992033 13992033 18843 44250 0 -44250 18843 -25407 -25407 126518041 125999175 544273 -25407 364463 34500 1366681 19943759 1334883 2251871 1541023 351610 109430 1703901 3219994 10721067 2862197 442134 MEMBER REWARDS 12769975 DIVIDENDS ON SHARES 11993550 PROVISION FOR LOAN LOSS 7821442 LOAN SERVICING EXPENSE 5682023 1080984 85595487 26144226 24937665 148127563 117665106 3662558 21102034 1466967804 1677754350 2045757 1942329 57127056 23376348 30619790 33750708 653121005 581573911 52680077 51111050 2383368780 2509837153 37262264 22673262 730413 786860 1938822471 2042611517 1976815148 2066071639 X 0 0 0 0 406553632 443765514 406553632 443765514 2383368780 2509837153 40922554 -3710672 0 X X 0 1 X 1 0 0 1 X 10803301 10803301 30479851 13688711 16791140 195783 183950 11833 12254804 9503687 2751117 3393317 3393317 33750708 FEDERAL AGENCY SECURITIES 579428711 F FEDERAL HOME LOAN BANK (FHLB) STOCK 2145200 F 581573911 ACCRUED DIVIDENDS 248843 SHARES AND DEPOSITS 2042362674 2042611517 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 MAKE-A-WISH FOUNDATION OF GEORGIA INC 1775 THE EXCHANGE SE STE 200 ATLANTA GA 30339 582146828 501(C)(3) 50000 SUPPORT MAKE-A-WISH FOUNDATION'S MISSION UNITED WAY OF CENTRAL GEORGIA PO BOX 1302 MACON GA 312021302 580639811 501(C)(3) 29200 SUPPORT UNITED WAY OF CENTRAL GEORGIA'S MISSION 21ST CENTURY PARTNERSHIP 804 PARK DRIVE WARNER ROBINS GA 31088 582086757 501(C)(3) 25500 SUPPORT 21ST CENTURY PARTNERSHIP'S MISSION NAVICENT HEALTH FOUNDATION 777 HEMLOCK STREET MSC 78 MACON GA 31201 237363555 501(C)(3) 23987 SUPPORT NAVICENT HEALTH FOUNDATION'S MISSION MIDDLE GEORGIA RESCUE MISSION 774 HAZEL STREET MACON GA 31210 586011446 501(C)(3) 20000 SUPPORT THE MIDDLE GEORGIA RESCUE MISSION RAINBOW HOUSE CHILDRENS RESOURCE CENTER PO BOX 1239 WARNER ROBINS GA 31099 581651220 501(C)(3) 18398 SUPPORT RAINBOW HOUSE CHILDRENS RESOURCE CENTER'S MISSION UNITED IN PINK INC DBA BUNKO FOR BREAST CANCER 102-A PRESTON COURT MACON GA 31210 205848087 501(C)(3) 16000 SUPPORT UNITED IN PINK'S MISSION 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 CITY OF WARNER ROBINS 202 N DAVIS DR PMB 717 WARNER ROBINS GA 31095 586000693 10000 SUPPORT THE JULY 4TH EVENT NEW TOWN MACON INC 479 CHERRY STREET MACON GA 31201 582273893 501(C)(3) 10000 SUPPORT EFFORTS TO REVITALIZE DOWNTOWN MACON MIDDLE GEORGIA STATE UNIVERSITY 100 UNIVERSITY PARKWAY MACON GA 31206 586002087 10000 SUPPORT MIDDLE GEORGIA STATE UNIVERSITY'S MISSION PROJECT SAFE INC PO BOX 7532 ATHENS GA 30604 581908469 10000 SUPPORT PROJECT SAFE'S MISSION LAKE LEISURE INC 309 BROOKWOOD DRIVE DUBLIN GA 31021 474466492 501(C)(3) 10000 SUPPORT LAKE LEISURE'S MISSION FELLOWSHIP OF CHURCHES-GRACE HOUSE 203 CENTRAL AVENUE FORT VALLEY GA 31030 651186837 501(C)(3) 8475 SUPPORT FELLOWSHIP OF CHURCHES GRACE HOUSE MISSION HOUSTON COUNTY VOLUNTEER MEDICAL CLINIC 125 RUSSELL PKWY WARNER ROBINS GA 31088 201859450 501(C)(3) 7600 SUPPORT HOUSTON COUNTY VOLUNTEER MEDICAL CLINIC'S MISSION MACON GEORGIA CHERRY BLOSSOM FESTIVAL INC 794 CHERRY ST MACON GA 31201 581648127 501(C)(3) 7500 SUPPORT THE EXEMPT PURPOSE OF THE ORGANIZATION WARNER ROBINS DAY CARE CENTER 511 MYRTLE STREET WARNER ROBINS GA 31093 581030849 501(C)(3) 7000 SUPPORT WARNER ROBINS DAY CARE CENTER'S MISSION HOUSTON COUNTY ASSOCIATION FOR EXCEPTIONAL CITIZEN 202 N DAVIS DR WARNER ROBINS GA 31095 580687548 501(C)(3) 6000 SUPPORT HOUSTON COUNTY ASSOCIATION FOR EXCEPTIONAL CITIZEN'S MISSION REBUILDING TOGETHER WARNER ROBBINS INC PO BOX 8664 WANER ROBINS WARNER ROBINS GA 31095 582282663 501(C)(3) 5000 SUPPORT THE EXEMPT PURPOSE OF REBUILDING TOGETHER GREATER MACON CHAMBER OF COMMERCE INC PO BOX 169 MACON MACON GA 31202 580333200 501(C)(6) 5000 SUPPORT THE MACON CHAMBER OF COMMERCE MACON REGIONAL CRIME STOPPERS INC 2760 ROFF AVENUE MACON GA 31204 582549830 501(C)(3) 5000 SUPPORT THE MACON REGIONAL CRIMESTOPPERS ROBINS REGIONAL CHAMBER OF COMMERCE 1228 WATSON BLVD WARNER ROBINS GA 31093 580676713 501(C)(6) 5000 SUPPORT THE ROBINS REGIONAL CHAMBER MACON VOLUNTEER MEDICAL CLINIC 376 ROGERS AVENUE MACON GA 31204 743055376 501(C)(3) 5000 SUPPORT THE MACON VOLUNTEER MEDICAL CLINIC'S MISSION 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 AMERICAN HEART ASSOCIATION INC 7272 GREENVILLE AVENUE DALLAS TX 73180 135613797 501(C)(3) 5000 SUPPORT THE AMERICAN HEART ASSOCIATION'S MISSION HEART OF GEORGIA HOSPICE INC 103 WESTRIDGE AVE WARNER ROBINS GA 31088 581602135 501(C)(3) 5000 SUPPORT THE HEART OF GEORGIA HOSPICE'S MISSION 24 2 SCHOLARSHIPS 36 34500 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 X 1 1 X X 0 1 0 JOHN R RHEA PRESIDENT/CEO 535290 0 50499 0 59951 0 33750 0 19702 0 699192 0 0 0 SCOTT A KLETCKE SR VP /CFO 211037 0 18503 0 63920 0 27591 0 7912 0 328963 0 0 0 CHRISTINA M OBRIEN EXECUTIVE VICE PRESIDENT 245667 0 21117 0 30814 0 27750 0 13178 0 338526 0 0 0 ANDREA D COTE SR VP/ CAO 203590 0 18816 0 53760 0 33750 0 14384 0 324300 0 0 0 JOHN D COZART VP OF TECHNOLOGY 152701 0 12950 0 18987 0 27114 0 12503 0 224255 0 0 0 KATHY S SIANIS VP OF BRANCH SRV/OPS 171392 0 15288 0 17195 0 18039 0 10392 0 232306 0 0 0 ROBERT L DYAL VP OF LENDING & COMMERICAL 165333 0 15004 0 0 0 16862 0 7015 0 204214 0 0 0 DANIEL KOMANSKI VP OF RISK MANAGEMENT 147867 0 8927 0 4230 0 15899 0 13861 0 190784 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 457B PLAN PARTICIPANT EMPLOYER CONTRIBUTION: JOHN R RHEA $ 9,250 ANDREA D COTE $ 9,250 CHRISTINA M OBRIEN $ 9,250 SCOTT A. KLETCKE $ 3,591 KATHY S SIANIS $ 9,019 JOHN D COZART $ 9,250 DANIAL KOMANSKI $ 7,949 457F PLAN PARTICIPANTS ROBERT DYAL $ 74,251 SCOTT KLETCKE OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 1500000 1550897 0 1 1 ANDREA COTE HIGHLY COMPED EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 1200000 1241318 0 1 1 CHRISTINA O'BRIEN KEY EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 900000 931738 0 1 1 JOHN COZART HIGHLY COMPED EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 465000 472927 0 1 1 KATHY SIANIS HIGHLY COMPED EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 381000 387947 0 1 1 JOHN RHEA OFFICER OF ORGANIZATION SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 16315453 16517207 0 1 1 21102034 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION IS A CREDIT UNION WITH APPROXIMATELY 202,991 MEMBERS AS OF DECEMBER 31, 2018. 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 21 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 400 2038291 RFCU