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Robins Financial Credit Union

Organization summary

Organization summary might be incomplete or out of date

This organization is not listed in the IRS's most recent list of tax exempt organizations, but we have data associated with this Employer Identification Number.

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Category: Public, Society Benefit — Multipurpose and Other / Credit Unions (NTEE)

Donations to this organization are not tax deductible.

Details

According to its Dec. 2023 tax filing, this nonprofit:

Reported conflict of interest transactions
Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Summary charts: organization finances over time

Revenue
$216M (2023)

Expenses
$156M (2023)

Total Assets
$4.33B (2023)

Total Liabilities
$3.76B (2023)

Source: Form 990 tax filings from 2017 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$215,983,906
Expenses
$155,887,605
Net Income
$60,096,301
Net Assets
$568,834,584
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $180,998,007
83.8%
Investment Income $33,996,909
15.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $988,990
0.5%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $2,002,125
1.3%
Professional Fundraising Fees $0
Other Salaries and Wages $34,588,357
22.2%
Assets/Debt
Total Assets $4,325,042,301
Total Liabilities $3,756,207,717
Net Assets $568,834,584
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Christina M O'brien (President/Ceo) $854,500 $0 $45,746
Andrea Denice Cote (Sr Vp/ Cao) $462,816 $0 $45,796
John D Cozart (Sr Vp Of Technology) $325,051 $0 $41,753
Robert L Dyal (Sr Vp Of Lending) $322,391 $0 $119,177
Jason C Parker (Sr Vp Of Risk) $305,834 $0 $23,831
Keith Beckham (Sr Vp Of Cs) $305,766 $0 $32,109
Scott Kletcke (Sr Vp /Cfo) $287,478 $0 $42,141
Tammy L Ross (Vp Of Branch Srv/Ops) $282,079 $0 $46,790
Brant Malone (Chief Financial Officer) $235,893 $0 $27,754
Don Jarzynka (Chairman) $0 $0 $0
Mike Parker (Vice Chairman) $0 $0 $0
Donald Hanson (Secretary) $0 $0 $0
Edward C Hilliard (Past Chair) $0 $0 $0
Jane Parker (Treasurer) $0 $0 $0
John A Jones (Board Member) $0 $0 $0
Barry Brown (Board Member) $0 $0 $0
James Kidd (Board Member) $0 $0 $0
Troy Hubbard (Board Member) $0 $0 $0
John Kubinec (Board Member) $0 $0 $0
Edwin Wolfe (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$169,374,848
Expenses
$119,716,477
Net Income
$49,658,371
Net Assets
$475,496,188
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $142,509,174
84.1%
Investment Income $26,889,092
15.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$23,418
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $2,164,617
1.8%
Professional Fundraising Fees $0
Other Salaries and Wages $28,948,672
24.2%
Assets/Debt
Total Assets $4,329,298,307
Total Liabilities $3,853,802,119
Net Assets $475,496,188
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Christina M Obrien (President/Ceo) $722,136 $0 $41,296
Scott Kletcke (Sr Vp /Cfo) $338,563 $0 $42,429
Andrea Denice Cote (Sr Vp/ Cao) $324,530 $0 $41,916
Robert L Dyal (Sr Vp Of Lending) $266,566 $0 $111,684
John D Cozart (Sr Vp Of Technology) $256,634 $0 $37,190
Jason C Parker (Sr Vp Of Risk) $255,513 $0 $19,986
Tammy L Ross (Vp Of Branch Srv/Ops) $233,699 $0 $42,300
Henry C Slane Iii (Vp Of Cards & Payment) $222,234 $0 $23,574
Amy Etheridge (Vp Of Delivery Channels) $192,380 $0 $36,676
Anthony Hayes (Vp Of Commercial Lending) $186,333 $0 $26,378
Edward C Hilliard (Chairman) $0 $0 $0
Don Jarzynka (Vice Chairman) $0 $0 $0
Barry Brown (Treasurer) $0 $0 $0
Mike Parker (Secretary) $0 $0 $0
Jane Parker (Board Member) $0 $0 $0
John A Jones (Board Member) $0 $0 $0
Donald Hanson (Board Member) $0 $0 $0
James Kidd (Board Member) $0 $0 $0
Troy Hubbard (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$147,788,018
Expenses
$101,867,790
Net Income
$45,920,228
Net Assets
$571,820,879
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $133,846,773
90.6%
Investment Income $13,793,020
9.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $148,225
0.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,854,292
1.8%
Professional Fundraising Fees $0
Other Salaries and Wages $22,792,194
22.4%
Assets/Debt
Total Assets $3,880,052,195
Total Liabilities $3,308,231,316
Net Assets $571,820,879
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Christina M Obrien (President/Ceo) $581,619 $0 $32,816
Scott Kletcke (Sr Vp /Cfo) $295,679 $0 $39,387
Andrea Denice Cote (Sr Vp/ Cao) $295,654 $0 $40,021
Robert L Dyal (Sr Vp Of Lending) $229,590 $0 $107,282
John D Cozart (Vp Of Technology) $218,047 $0 $34,916
Jason C Parker (Sr Vp Risk Management/ General Counsel) $215,326 $0 $16,918
Tammy L Ross (Vp Of Branch Srv/Ops) $213,594 $0 $40,578
Henry C Slane Iii (Vp Of Cards & Payment) $204,253 $0 $18,654
Shannon Reagan (Asst Vp Of Commercial Lending) $144,461 $0 $15,810
Ashley Minshew (Asst Vp Of Mortgage) $140,970 $0 $22,007
Barry Brown (Chairman) $0 $0 $0
Edward C Hilliard (Vice Chairman) $0 $0 $0
John A Jones (Treasurer) $0 $0 $0
Mary Edenfield Gibbs (Secretary) $0 $0 $0
Don Jarzynka (Board Member) $0 $0 $0
Donald Hanson (Board Member) $0 $0 $0
James Kidd (Board Member) $0 $0 $0
Jane Parker (Board Member) $0 $0 $0
Mike Parker (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$144,241,424
Expenses
$105,876,511
Net Income
$38,364,913
Net Assets
$555,272,278
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $132,145,248
91.6%
Investment Income $11,686,055
8.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $410,121
0.3%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,807,676
1.7%
Professional Fundraising Fees $0
Other Salaries and Wages $21,814,244
20.6%
Assets/Debt
Total Assets $3,340,269,474
Total Liabilities $2,784,997,196
Net Assets $555,272,278
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John R Rhea (President/Ceo) $549,006 $0 $41,935
Christina M Obrien (President/Ceo) $506,360 $0 $32,931
Scott A Kletcke (Sr Vp /Cfo) $306,600 $0 $37,998
Andrea D Cote (Sr Vp/ Cao) $292,356 $0 $40,491
John D Cozart (Vp Of Technology) $216,971 $0 $33,288
Robert L Dyal (Vp Of Lending & Commerical) $209,637 $0 $101,079
Daniel S Komanski (Vp Of Risk) $183,176 $0 $20,270
Tammy L Ross (Vp Of Branch Srv/Ops) $177,262 $0 $36,859
Chris Slane (Vp Of Cards & Payment Svc) $172,602 $0 $19,002
Barry Brown (Chairman) $0 $0 $0
Edward C Hilliard (Vice Chairman) $0 $0 $0
Don Jarzynka (Secretary) $0 $0 $0
John Ajones (Treasurer) $0 $0 $0
Jackie Cleghorn (Board Member) $0 $0 $0
Mike Parker (Board Member) $0 $0 $0
James Kidd (Board Member) $0 $0 $0
Donald Hanson (Board Member) $0 $0 $0
Mary Edenfield Gibbs (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$140,285,092
Expenses
$97,822,432
Net Income
$42,462,660
Net Assets
$502,421,754
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $124,705,627
88.9%
Investment Income $14,743,435
10.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $3,360
0.0%
Net Fundraising $0
Sales of Assets $832,670
0.6%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,528,484
1.6%
Professional Fundraising Fees $0
Other Salaries and Wages $21,359,000
21.8%
Assets/Debt
Total Assets $2,738,616,657
Total Liabilities $2,236,194,903
Net Assets $502,421,754
Other
Provided first-class or charter travel
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John R Rhea (President/Ceo) $707,958 $0 $53,818
Christina M Obrien (Executive Vice President) $348,333 $0 $42,154
Scott A Kletcke (Sr Vp /Cfo) $327,642 $0 $48,577
Andrea D Cote (Sr Vp/ Cao) $314,331 $0 $49,392
Kathy S Sianis (Vp Of Branch Srv/Ops) $238,085 $0 $24,746
John D Cozart (Vp Of Technology) $216,097 $0 $41,635
Robert L Dyal (Vp Of Lending & Commerical) $201,456 $0 $100,655
Chris Slane (Vp Of Cards & Payment Svc) $165,092 $0 $15,862
Mary Edenfield Gibbs (Board Member) $0 $0 $0
Donald Hanson (Board Member) $0 $0 $0
Edward C Hilliard (Board Member) $0 $0 $0
James Kidd (Vice Chairman) $0 $0 $0
Don Jarzynka (Board Member) $0 $0 $0
Mike Parker (Board Member) $0 $0 $0
Jackie Cleghorn (Treasurer) $0 $0 $0
John Ajones (Chairman) $0 $0 $0
Barry Brown (Secretary) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$126,518,041
Expenses
$85,595,487
Net Income
$40,922,554
Net Assets
$443,765,514
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $112,551,415
89.0%
Investment Income $13,992,033
11.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$25,407
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,366,681
1.6%
Professional Fundraising Fees $0
Other Salaries and Wages $19,943,759
23.3%
Assets/Debt
Total Assets $2,509,837,153
Total Liabilities $2,066,071,639
Net Assets $443,765,514
Other
Provided first-class or charter travel
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John R Rhea (President/Ceo) $645,740 $0 $53,452
Christina M Obrien (Executive Vice President) $297,598 $0 $40,928
Scott A Kletcke (Sr Vp /Cfo) $293,460 $0 $35,503
Andrea D Cote (Sr Vp/ Cao) $276,166 $0 $48,134
Kathy S Sianis (Vp Of Branch Srv/Ops) $203,875 $0 $28,431
John D Cozart (Vp Of Technology) $184,638 $0 $39,617
Robert L Dyal (Vp Of Lending & Commerical) $180,337 $0 $23,877
Daniel Komanski (Vp Of Risk Management) $161,024 $0 $29,760
Jackie Cleghorn (Treasurer) $0 $0 $0
John Ajones (Chairman) $0 $0 $0
Barry Brown (Secretary) $0 $0 $0
Mary Edenfield Gibbs (Board Member) $0 $0 $0
Donald Hanson (Board Member) $0 $0 $0
Edward C Hilliard (Board Member) $0 $0 $0
James Kidd (Vice Chairman) $0 $0 $0
Don Jarzynka (Board Member) $0 $0 $0
Mike Parker (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$111,105,540
Expenses
$78,261,796
Net Income
$32,843,744
Net Assets
$406,553,632
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $97,227,876
87.5%
Investment Income $13,848,993
12.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $28,671
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,512,161
1.9%
Professional Fundraising Fees $0
Other Salaries and Wages $17,710,737
22.6%
Assets/Debt
Total Assets $2,383,368,780
Total Liabilities $1,976,815,148
Net Assets $406,553,632
Other
Provided first-class or charter travel
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John R Rhea (President/Ceo) $606,452 $0 $59,656
Scott A Kletcke (Sr Vp /Cfo) $245,779 $0 $24,184
Christina M Obrien (Executive Vice President) $244,986 $0 $40,143
Andrea D Cote (Sr Vp/ Cao) $244,182 $0 $46,778
Kathy S Sianis (Vp Of Branch Srv/Ops) $185,865 $0 $26,270
Robert L Dyal (Vp Of Lending & Commerical) $173,488 $0 $22,803
John D Cozart (Avp Of Information Technol) $138,618 $0 $18,730
Terry L Mayne (Vp Of Technology) $126,763 $0 $29,270
Jackie Cleghorn (Chairman) $0 $0 $0
John Ajones (Vice Chairman) $0 $0 $0
Barry Brown (Treasurer) $0 $0 $0
Kenneth L Babbitt (Secretary) $0 $0 $0
Mary Edenfield Gibbs (Board Member) $0 $0 $0
Donald Hanson (Board Member) $0 $0 $0
Edward C Hilliard (Board Member) $0 $0 $0
James Kidd (Board Member) $0 $0 $0
Mike Parker (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

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For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
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