ROBINS FINANCIAL CREDIT UNION: Form 990, tax year 2017

View the entire original 990 at ProPublica ↗

Organization: ROBINS FINANCIAL CREDIT UNION (EIN 58-0641605)
Tax period: 2017-01-01 to 2017-12-31
Filed: 2018-05-11
IRS object ID: 201831319349301718
Schema version: 2017v2.2
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule I
Schedule J
Schedule L
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2018-05-11T10:19:04-05:00	ReturnTs
Tax Period End	2017-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	580692043	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	MAULDIN & JENKINS LLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	200 GALLERIA PKWY SE STE 1700	AddressLine1Txt
City	ATLANTA	CityNm
State Abbreviation	GA	StateAbbreviationCd
ZIP	303395946	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2017-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	580641605	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ROBINS FINANCIAL CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	ROBI	BusinessNameControlTxt
Phone	8002412405	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	803 WATSON BLVD	AddressLine1Txt
City	WARNER ROBINS	CityNm
State Abbreviation	GA	StateAbbreviationCd
ZIP	31093	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	SCOTT KLETCKE	PersonNm
Person Title	SENIOR VP/CFO	PersonTitleTxt
Phone	8002412405	PhoneNum
Signature	2018-05-09	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	MARY JO ALEXANDER	PreparerPersonNm
PTIN	P00002534	PTIN
Phone	7709558600	PhoneNum
Preparation	2018-05-08	PreparationDt

Field	Value	IRS element (for citing)
Tax	2017	TaxYr
Build TS	2022-09-23 18:48:47Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	SCOTT KLETCKE	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	803 WATSON BLVD	AddressLine1Txt
City	WARNER ROBINS	CityNm
State Abbreviation	GA	StateAbbreviationCd
ZIP	31093	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$111,116,279	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	HTTPS://WWW.ROBINSFCU.ORG	WebsiteAddressTxt
Type Of Organization Other	Yes (X)	TypeOfOrganizationOtherInd
Other Organization Dsc	CREDIT UNION	OtherOrganizationDsc
Formation	2016	FormationYr
Legal Domicile State	GA	LegalDomicileStateCd
Activity Or Mission	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.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	481	TotalEmployeeCnt
Total Volunteers	12	TotalVolunteersCnt
Total Gross UBI	$492,436	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$197,072	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$88,352,127	PYProgramServiceRevenueAmt
CY Program Service Revenue	$97,227,876	CYProgramServiceRevenueAmt
PY Investment Income	$12,243,127	PYInvestmentIncomeAmt
CY Investment Income	$13,877,664	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$100,595,254	PYTotalRevenueAmt
CY Total Revenue	$111,105,540	CYTotalRevenueAmt
PY Grants And Similar Paid	$331,318	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$216,755	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$24,053,181	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$26,416,222	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$33,985,654	PYOtherExpensesAmt
CY Other Expenses	$51,628,819	CYOtherExpensesAmt
PY Total Expenses	$58,370,153	PYTotalExpensesAmt
CY Total Expenses	$78,261,796	CYTotalExpensesAmt
PY Revenues Less Expenses	$42,225,101	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$32,843,744	CYRevenuesLessExpensesAmt
Total Assets BOY	$2,223,899,029	TotalAssetsBOYAmt
Total Assets EOY	$2,383,368,780	TotalAssetsEOYAmt
Total Liabilities BOY	$1,847,305,432	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,976,815,148	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$376,593,597	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$406,553,632	NetAssetsOrFundBalancesEOYAmt
Mission	TO BE THE FINANCIAL PROVIDER OF CHOICE BY DELIVERING QUALITY FINANCIAL SERVICES CONVENIENTLY AND EFFICIENTLY.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	THE ORGANIZATION IS A STATE-CHARTERED CREDIT UNION THAT OFFERS APPROXIMATELY 188,707 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.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	Yes (1)	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	Yes (1)	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	Yes (1)	GrantsToOrganizationsInd
Grants To Individuals	Yes (1)	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	0	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	Yes (1)	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	51266	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	481	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	GA	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	SCOTT KLETCKE	PersonNm
Phone	8002412405	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	803 WATSON BLVD	AddressLine1Txt
City	WARNER ROBINS	CityNm
State Abbreviation	GA	StateAbbreviationCd
ZIP	31093	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (17 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
JACKIE CLEGHORN
CHAIRMAN	1.00	Yes (X)	Yes (X)	$0	$0	$0
JOHN AJONES
VICE CHAIRMAN	1.00	Yes (X)	Yes (X)	$0	$0	$0
BARRY BROWN
TREASURER	1.00	Yes (X)	Yes (X)	$0	$0	$0
KENNETH L BABBITT
SECRETARY	0.50	Yes (X)	Yes (X)	$0	$0	$0
MARY EDENFIELD-GIBBS
BOARD MEMBER	0.50	Yes (X)		$0	$0	$0
DONALD HANSON
BOARD MEMBER	0.50	Yes (X)		$0	$0	$0
EDWARD C HILLIARD
BOARD MEMBER	0.50	Yes (X)		$0	$0	$0
JAMES KIDD
BOARD MEMBER	0.50	Yes (X)		$0	$0	$0
MIKE PARKER
BOARD MEMBER	0.50	Yes (X)		$0	$0	$0
JOHN R RHEA
PRESIDENT/CEO	40.00		Yes (X)	$606,452	$0	$59,656
SCOTT A KLETCKE
SR VP /CFO	40.00		Yes (X)	$245,779	$0	$24,184
CHRISTINA M OBRIEN
EXECUTIVE VICE PRESIDENT	40.00		Yes (X)	$244,986	$0	$40,143
ANDREA D COTE
SR VP/ CAO	40.00			$244,182	$0	$46,778	Yes (X)
TERRY L MAYNE
VP OF TECHNOLOGY	40.00			$126,763	$0	$29,270		Yes (X)
KATHY S SIANIS
VP OF BRANCH SRV/OPS	40.00			$185,865	$0	$26,270		Yes (X)
ROBERT L DYAL
VP OF LENDING & COMMERICAL	40.00			$173,488	$0	$22,803		Yes (X)
JOHN D COZART
AVP OF INFORMATION TECHNOL	40.00			$138,618	$0	$18,730		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,966,133	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$267,834	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	16	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
WARREN ASSOCIATES INC
PO BOX 6098	MACON	GA	31028	GENERAL CONTRACTOR	$6,608,352
VISA DPS
PO BOX 8999	SAN FRANCISCO	CA	94128	CREDIT & DEBIT TRANSACTION PROCESSOR	$1,892,833
Q2 SOFTWARE
PO BOX 205970	DALLAS	TX	75320	ONLINE BANKING SOLUTION	$1,277,158
DIAMOND MARKETING COMMUNICATIONS
900 KIMBERELY DRIVE	CAROL STREAM	IL	60188	STATEMENTS/NOTICES/POSTAGE	$1,266,903
VISA USA
PO BOX 8999	SAN FRANCISCO	CA	94128	VISA QUARTERLY OPERATING CERTIFICATE	$1,154,979

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	31	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$57,185,689	$57,185,689
OTHER OPERATING INCOME	522100	$38,811,247	$38,332,186	$479,061
OTHER NON-OPERATING INCOME	522100	$1,230,940	$1,217,565	$13,375

Field	Value	IRS element (for citing)
Total Program Service Revenue	$97,227,876	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$13,848,993	TotalRevenueColumnAmt
Related Or Exempt Func Income	$13,848,993	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$39,410	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$10,739	SecuritiesAmt
Other	$0	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$10,739	SecuritiesAmt
Other	$39,410	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$28,671	TotalRevenueColumnAmt
Exclusion	$28,671	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$111,105,540	TotalRevenueColumnAmt
Related Or Exempt Func Income	$110,584,433	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$492,436	UnrelatedBusinessRevenueAmt
Exclusion	$28,671	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$182,755	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$34,000	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,512,161	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$17,710,737	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$1,607,850	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$4,153,838	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$1,431,636	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$299,027	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$76,589	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$1,575,758	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$2,398,509	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$9,768,516	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$2,375,635	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$452,594	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
MEMBER REWARDS	$11,600,496
DIVIDENDS ON SHARES	$9,521,432
PROVISION FOR LOAN LOSS	$7,673,491
LOAN SERVICING EXPENSE	$4,844,810

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,041,962	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$78,261,796	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$25,021,802	BOYAmt
EOY	$26,144,226	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$153,895,670	BOYAmt
EOY	$148,127,563	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$2,749,107	BOYAmt
EOY	$3,662,558	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$1,277,826,743	BOYAmt
EOY	$1,466,967,804	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,662,881	BOYAmt
EOY	$2,045,757	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$52,522,143	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$21,902,353	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$23,719,765	BOYAmt
EOY	$30,619,790	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$692,151,123	BOYAmt
EOY	$653,121,005	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$46,871,938	BOYAmt
EOY	$52,680,077	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$2,223,899,029	BOYAmt
EOY	$2,383,368,780	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$26,763,183	BOYAmt
EOY	$37,262,264	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$676,393	BOYAmt
EOY	$730,413	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,819,865,856	BOYAmt
EOY	$1,938,822,471	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,847,305,432	BOYAmt
EOY	$1,976,815,148	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$376,593,597	BOYAmt
EOY	$406,553,632	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$376,593,597	BOYAmt
EOY	$406,553,632	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$2,223,899,029	BOYAmt
EOY	$2,383,368,780	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$32,843,744	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$2,883,709	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Consolidated Basis Fincl Stmt	Yes (X)	ConsolidatedBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (1)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$9,944,416	OtherCostOrOtherBasisAmt
Book Value	$9,944,416	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$24,177,036	OtherCostOrOtherBasisAmt
Depreciation	$12,559,764	DepreciationAmt
Book Value	$11,617,272	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$195,783	OtherCostOrOtherBasisAmt
Depreciation	$173,946	DepreciationAmt
Book Value	$21,837	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$18,204,908	OtherCostOrOtherBasisAmt
Depreciation	$9,168,643	DepreciationAmt
Book Value	$9,036,265	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$30,619,790	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (2 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
FEDERAL AGENCY SECURITIES	$651,119,305	F
FEDERAL HOME LOAN BANK (FHLB) STOCK	$2,001,700	F

Field	Value	IRS element (for citing)
Total Book Value Securities	$653,121,005	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
ACCRUED DIVIDENDS	$156,116
SHARES AND DEPOSITS	$1,938,666,355

Field	Value	IRS element (for citing)
Total Liability	$1,938,822,471	TotalLiabilityAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART IV, LINE 2B:	FormAndLineReferenceDesc
Explanation	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.	ExplanationTxt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Recipient Table RecipientTable (13 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Purpose Of GrantPurposeOfGrantTxt
MACON GEORGIA CHERRY BLOSSOM FESTIVAL INC
794 CHERRY ST	MACON	GA	31201	581648127	501(C)(3)	$7,500	SUPPORT THE EXEMPT PURPOSE OF THE ORGANIZATION
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)	$15,000	SUPPORT THE MUSEUM OF AVIATION
REBUILDING TOGETHER WARNER ROBBINS INC
PO BOX 8664 WANER ROBINS	WARNER ROBINS	GA	31095	582282663	501(C)(3)	$5,000	SUPPORT THE EXEMPT PURPOSE OF REBUILDING TOGETHER
GREATER MACON CHAMBER OF COMMERCE INC
PO BOX 169 MACON	MACON	GA	31202	580333200	501(C)(6)	$5,000	SUPPORT THE MACON CHAMBER OF COMMERCE
CITY OF WARNER ROBINS
202 N DAVIS DR PMB 717	WARNER ROBINS	GA	31095	586000693		$10,000	SUPPORT THE JULY 4TH EVENT
MACON REGIONAL CRIME STOPPERS INC
2760 ROFF AVENUE	MACON	GA	31204	582549830	501(C)(3)	$5,000	SUPPORT THE MACON REGIONAL CRIMESTOPPERS
HOSPICE OF HOUSTON COUNTY INC
103 WESTRIDGE AVE	WARNER ROBINS	GA	31088	581602135	501(C)(3)	$5,000	PAY FOR THE BREAVEMENT CAMP FOR CHILDREN
ROBINS REGIONAL CHAMBER OF COMMERCE
1228 WATSON BLVD	WARNER ROBINS	GA	31093	580676713	501(C)(6)	$5,000	SUPPORT THE ROBINS REGIONAL CHAMBER
MIDDLE GEORGIA RESCUE MISSION
774 HAZEL STREET	MACON	GA	31210	586011446	501(C)(3)	$20,000	SUPPORT THE MIDDLE GEORGIA RESCUE MISISON
THE CORPORATION OF MERCER UNIVERSITY
1400 COLEMAN AVENUE	MACON	GA	31207	580566167	501(C)(3)	$17,000	SUPPORT MERCER COLLEGE ATHLETICS
MEDCEN COMMUNITY HEALTH FOUNDATION INC
858 HIGH STREET	MACON	GA	31201	237363555	501(C)(3)	$7,480	SUPPORT THE CHILDREN'S MIRACLE NETWORK
UNITED WAY OF CENTRAL GEORGIA
PO BOX 1302	MACON	GA	312021302	580639811	501(C)(3)	$26,700	SUPPORT UNITED WAY OF CENTRAL GEORGIA
NEW TOWN MACON INC
479 CHERRY STREET	MACON	GA	31201	582273893	501(C)(3)	$10,000	SUPPORT EFFORTS TO REVITALIZE DOWNTOWN MACON

Field	Value	IRS element (for citing)
Total501c3 Org	10	Total501c3OrgCnt
Total Other Org	3	TotalOtherOrgCnt

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	SCHOLARSHIPS	GrantTypeTxt
Recipient	36	RecipientCnt
Cash Grant	$34,000	CashGrantAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	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.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
First Class Or Charter Travel	Yes (X)	FirstClassOrCharterTravelInd
Travel For Companions	Yes (X)	TravelForCompanionsInd
Idemnification Gross Up Pmts	Yes (X)	IdemnificationGrossUpPmtsInd
Club Dues Or Fees	Yes (X)	ClubDuesOrFeesInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (8 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
JOHN R RHEA
PRESIDENT/CEO	$504,991	$0	$47,641	$0	$53,820	$0	$36,677	$0	$22,979	$0	$666,108	$0	$0	$0
SCOTT A KLETCKE
SR VP /CFO	$200,034	$0	$17,837	$0	$27,908	$0	$19,986	$0	$4,198	$0	$269,963	$0	$0	$0
CHRISTINA M OBRIEN
EXECUTIVE VICE PRESIDENT	$219,398	$0	$14,898	$0	$10,690	$0	$27,000	$0	$13,143	$0	$285,129	$0	$0	$0
ANDREA D COTE
SR VP/ CAO	$192,982	$0	$18,121	$0	$33,079	$0	$33,000	$0	$13,778	$0	$290,960	$0	$0	$0
TERRY L MAYNE
VP OF TECHNOLOGY	$94,489	$0	$13,328	$0	$18,946	$0	$17,066	$0	$12,204	$0	$156,033	$0	$0	$0
KATHY S SIANIS
VP OF BRANCH SRV/OPS	$160,930	$0	$15,111	$0	$9,824	$0	$16,902	$0	$9,368	$0	$212,135	$0	$0	$0
ROBERT L DYAL
VP OF LENDING & COMMERICAL	$157,934	$0	$14,367	$0	$1,187	$0	$16,208	$0	$6,595	$0	$196,291	$0	$0	$0
JOHN D COZART
AVP OF INFORMATION TECHNOL	$119,983	$0	$9,080	$0	$9,555	$0	$14,930	$0	$3,800	$0	$157,348	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
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 $ 12,677 ANDREA D COTE $ 9,000 CHRISTINA M OBRIEN $ 9,000 TERRY L MAYNE $ 8,533 KATHY S SIANIS $ 7,961 JOHN D COZART $ 860 457F PLAN PARTICIPANTS JOHN R. RHEA $ 424,914 ROBERT DYAL $ 74,251

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (5 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
SCOTT KLETCKE
OFFICER	SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT	Yes (X)	$1,286,665	0	Yes (1)	Yes (1)
ANDREA COTE
KEY EMPLOYEE	SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT	Yes (X)	$1,029,932	0	Yes (1)	Yes (1)
CHRISTINA O'BRIEN
HIGHLY COMPED EMPLOYEE	SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT	Yes (X)	$773,199	0	Yes (1)	Yes (1)
JOHN COZART
HIGHLY COMPED EMPLOYEE	SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT	Yes (X)	$314,568	0	Yes (1)	Yes (1)
KATHY SIANIS
HIGHLY COMPED EMPLOYEE	SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT	Yes (X)	$258,194	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$3,662,558	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE ORGANIZATION IS A CREDIT UNION WITH APPROXIMATELY 188,707 MEMBERS AS OF DECEMBER 31, 2017.
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 20 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.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	OLUTION OURCE LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	803 WATSON BLVD	AddressLine1Txt
City	WARNER ROBINS	CityNm
State Abbreviation	GA	StateAbbreviationCd
ZIP	310933415	ZIPCd

Field	Value	IRS element (for citing)
EIN	582573600	EIN
Primary Activities	CREDIT UNION SERVICE ORGANIZATION	PrimaryActivitiesTxt
Legal Domicile State	GA	LegalDomicileStateCd
Total Income	$263	TotalIncomeAmt
End Of Year Assets	$1,931,034	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	RFCU	BusinessNameLine1Txt