2018-05-11T10:19:04-05:00 2017-12-31 580692043 MAULDIN & JENKINS LLC 200 GALLERIA PKWY SE STE 1700 ATLANTA GA 303395946 990 2017-01-01 580641605 ROBINS FINANCIAL CREDIT UNION ROBI 8002412405 803 WATSON BLVD WARNER ROBINS GA 31093 SCOTT KLETCKE SENIOR VP/CFO 8002412405 2018-05-09 1 MARY JO ALEXANDER P00002534 7709558600 2018-05-08 2017 2022-09-23 18:48:47Z SCOTT KLETCKE 803 WATSON BLVD WARNER ROBINS GA 31093 111116279 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 9 481 12 492436 -197072 0 0 88352127 97227876 12243127 13877664 0 0 100595254 111105540 331318 216755 0 0 24053181 26416222 0 0 0 33985654 51628819 58370153 78261796 42225101 32843744 2223899029 2383368780 1847305432 1976815148 376593597 406553632 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 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. 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 51266 0 1 481 1 1 1 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 CHAIRMAN 1.00 X X 0 0 0 JOHN AJONES VICE CHAIRMAN 1.00 X X 0 0 0 BARRY BROWN TREASURER 1.00 X X 0 0 0 KENNETH L BABBITT SECRETARY 0.50 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 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 606452 0 59656 SCOTT A KLETCKE SR VP /CFO 40.00 X 245779 0 24184 CHRISTINA M OBRIEN EXECUTIVE VICE PRESIDENT 40.00 X 244986 0 40143 ANDREA D COTE SR VP/ CAO 40.00 X 244182 0 46778 TERRY L MAYNE VP OF TECHNOLOGY 40.00 X 126763 0 29270 KATHY S SIANIS VP OF BRANCH SRV/OPS 40.00 X 185865 0 26270 ROBERT L DYAL VP OF LENDING & COMMERICAL 40.00 X 173488 0 22803 JOHN D COZART AVP OF INFORMATION TECHNOL 40.00 X 138618 0 18730 1966133 0 267834 16 0 1 0 WARREN ASSOCIATES INC PO BOX 6098 MACON GA 31028 GENERAL CONTRACTOR 6608352 VISA DPS PO BOX 8999 SAN FRANCISCO CA 94128 CREDIT & DEBIT TRANSACTION PROCESSOR 1892833 Q2 SOFTWARE PO BOX 205970 DALLAS TX 75320 ONLINE BANKING SOLUTION 1277158 DIAMOND MARKETING COMMUNICATIONS 900 KIMBERELY DRIVE CAROL STREAM IL 60188 STATEMENTS/NOTICES/POSTAGE 1266903 VISA USA PO BOX 8999 SAN FRANCISCO CA 94128 VISA QUARTERLY OPERATING CERTIFICATE 1154979 31 INTEREST ON LOANS 522100 57185689 57185689 OTHER OPERATING INCOME 522100 38811247 38332186 479061 OTHER NON-OPERATING INCOME 522100 1230940 1217565 13375 97227876 13848993 13848993 39410 10739 0 -10739 39410 28671 28671 111105540 110584433 492436 28671 182755 34000 1512161 17710737 1607850 4153838 1431636 299027 76589 1575758 2398509 9768516 2375635 452594 MEMBER REWARDS 11600496 DIVIDENDS ON SHARES 9521432 PROVISION FOR LOAN LOSS 7673491 LOAN SERVICING EXPENSE 4844810 1041962 78261796 25021802 26144226 153895670 148127563 2749107 3662558 1277826743 1466967804 1662881 2045757 52522143 21902353 23719765 30619790 692151123 653121005 46871938 52680077 2223899029 2383368780 26763183 37262264 676393 730413 1819865856 1938822471 1847305432 1976815148 X 0 0 0 0 376593597 406553632 376593597 406553632 2223899029 2383368780 32843744 -2883709 0 X X 0 1 X 1 0 0 1 X 9944416 9944416 24177036 12559764 11617272 195783 173946 21837 18204908 9168643 9036265 30619790 FEDERAL AGENCY SECURITIES 651119305 F FEDERAL HOME LOAN BANK (FHLB) STOCK 2001700 F 653121005 ACCRUED DIVIDENDS 156116 SHARES AND DEPOSITS 1938666355 1938822471 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 MACON GEORGIA CHERRY BLOSSOM FESTIVAL INC 794 CHERRY ST MACON GA 31201 581648127 501(C)(3) 7500 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) 15000 SUPPORT THE MUSEUM OF AVIATION 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 CITY OF WARNER ROBINS 202 N DAVIS DR PMB 717 WARNER ROBINS GA 31095 586000693 10000 SUPPORT THE JULY 4TH EVENT MACON REGIONAL CRIME STOPPERS INC 2760 ROFF AVENUE MACON GA 31204 582549830 501(C)(3) 5000 SUPPORT THE MACON REGIONAL CRIMESTOPPERS HOSPICE OF HOUSTON COUNTY INC 103 WESTRIDGE AVE WARNER ROBINS GA 31088 581602135 501(C)(3) 5000 PAY FOR THE BREAVEMENT CAMP FOR CHILDREN ROBINS REGIONAL CHAMBER OF COMMERCE 1228 WATSON BLVD WARNER ROBINS GA 31093 580676713 501(C)(6) 5000 SUPPORT THE ROBINS REGIONAL CHAMBER MIDDLE GEORGIA RESCUE MISSION 774 HAZEL STREET MACON GA 31210 586011446 501(C)(3) 20000 SUPPORT THE MIDDLE GEORGIA RESCUE MISISON THE CORPORATION OF MERCER UNIVERSITY 1400 COLEMAN AVENUE MACON GA 31207 580566167 501(C)(3) 17000 SUPPORT MERCER COLLEGE ATHLETICS MEDCEN COMMUNITY HEALTH FOUNDATION INC 858 HIGH STREET MACON GA 31201 237363555 501(C)(3) 7480 SUPPORT THE CHILDREN'S MIRACLE NETWORK UNITED WAY OF CENTRAL GEORGIA PO BOX 1302 MACON GA 312021302 580639811 501(C)(3) 26700 SUPPORT UNITED WAY OF CENTRAL GEORGIA NEW TOWN MACON INC 479 CHERRY STREET MACON GA 31201 582273893 501(C)(3) 10000 SUPPORT EFFORTS TO REVITALIZE DOWNTOWN MACON 10 3 SCHOLARSHIPS 36 34000 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 504991 0 47641 0 53820 0 36677 0 22979 0 666108 0 0 0 SCOTT A KLETCKE SR VP /CFO 200034 0 17837 0 27908 0 19986 0 4198 0 269963 0 0 0 CHRISTINA M OBRIEN EXECUTIVE VICE PRESIDENT 219398 0 14898 0 10690 0 27000 0 13143 0 285129 0 0 0 ANDREA D COTE SR VP/ CAO 192982 0 18121 0 33079 0 33000 0 13778 0 290960 0 0 0 TERRY L MAYNE VP OF TECHNOLOGY 94489 0 13328 0 18946 0 17066 0 12204 0 156033 0 0 0 KATHY S SIANIS VP OF BRANCH SRV/OPS 160930 0 15111 0 9824 0 16902 0 9368 0 212135 0 0 0 ROBERT L DYAL VP OF LENDING & COMMERICAL 157934 0 14367 0 1187 0 16208 0 6595 0 196291 0 0 0 JOHN D COZART AVP OF INFORMATION TECHNOL 119983 0 9080 0 9555 0 14930 0 3800 0 157348 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 $ 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 SCOTT KLETCKE OFFICER SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 1286665 0 1 1 ANDREA COTE KEY EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 1029932 0 1 1 CHRISTINA O'BRIEN HIGHLY COMPED EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 773199 0 1 1 JOHN COZART HIGHLY COMPED EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 314568 0 1 1 KATHY SIANIS HIGHLY COMPED EMPLOYEE SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT X 258194 0 1 1 3662558 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. OLUTION OURCE LLC 803 WATSON BLVD WARNER ROBINS GA 310933415 582573600 CREDIT UNION SERVICE ORGANIZATION GA 263 1931034 RFCU