TellerScore

Headquartered in Warner Robins, Georgia, Robins Financial Credit Union is a federally insured state-chartered credit union with $5.0B in total assets and $4.1B in member shares and deposits as of Q2 2026. It operates 23 offices. Its charter dates back to 1954.

Robins Financial Credit Union has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 454 credit unions with $1 billion – $10 billion. Among 71 credit unions headquartered in Georgia, it ranks 5th. Capital cushion contributes the most (100/100, 17.61%); loan quality contributes the least (87/100, 0.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.61%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.40%
Earnings97/100
Return on assets (annualized): 1.91%
Funding & liquidity90/100
Loans ÷ shares: 70.6% · 7.2% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.39%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (93 → 94).

TellerScore
899295Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202489
Q4 202490
Q1 202595
Q2 202593
Q3 202593
Q4 202592
Q1 202694
Q2 202694
Net worth ratio
7.00%12.30%17.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.00%
Q3 202416.11%
Q4 202416.36%
Q1 202516.26%
Q2 202516.76%
Q3 202517.18%
Q4 202517.30%
Q1 202617.33%
Q2 202617.61%
Delinquent loans (60+ days)
0.24%0.35%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.37%
Q3 20240.41%
Q4 20240.38%
Q1 20250.24%
Q2 20250.30%
Q3 20250.38%
Q4 20250.45%
Q1 20260.33%
Q2 20260.40%
Return on assets
1.24%1.58%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.24%
Q3 20241.28%
Q4 20241.34%
Q1 20251.74%
Q2 20251.66%
Q3 20251.72%
Q4 20251.65%
Q1 20261.79%
Q2 20261.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$5.0B17.61%0.40%1.91%70.6%
Q1 202694$4.9B17.33%0.33%1.79%69.3%
Q4 202592$4.8B17.30%0.45%1.65%70.7%
Q3 202593$4.7B17.18%0.38%1.72%71.2%
Q2 202593$4.7B16.76%0.30%1.66%70.5%
Q1 202595$4.7B16.26%0.24%1.74%67.5%
Q4 202490$4.6B16.36%0.38%1.34%68.7%
Q3 202489$4.6B16.11%0.41%1.28%68.4%
Q2 202490$4.5B16.00%0.37%1.24%68.4%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.61%
97th
Problem loans0.40%
80th
Net charge-offs0.42%
62nd
Return on assets1.91%
98th
Loans to deposits70.6%
85th
Uninsured deposits7.2%
70th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
93rd

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Georgia'S Own Credit UnionCredit union Atlanta, GA50 out of 100, Below average$4.2B10.0%1.15%vs
Associated Credit UnionCredit union Norcross, GA77 out of 100, Strong$2.5B13.0%0.30%vs
Georgia United Credit UnionCredit union Duluth, GA67 out of 100, Moderate$2.5B11.1%0.89%vs
Center Parc Credit UnionCredit union Atlanta, GA69 out of 100, Moderate$2.4B13.8%1.03%vs
Lge Community Credit UnionCredit union Marietta, GA71 out of 100, Strong$2.4B12.0%0.47%vs
Peach State Federal Credit UnionCredit union Lawrenceville, GA68 out of 100, Moderate$1.1B9.2%0.32%vs

Deposit insurance

Is my money safe at Robins Financial Credit Union?

Yes. Robins Financial Credit Union is a federally insured credit union (NCUA charter #68670). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.2% of shares and deposits ($296.4M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 17.61%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

23 locations

Branches

Robins Financial Credit Union lists 23 offices in 14 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Robins Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68670
RSSD ID
410784
Primary regulator
State + NCUA
Established
1954
Headquarters
PO Box 6849, Warner Robins, GA 31095
Employees
546

Quick answers

Robins Financial Credit Union: common questions

Is Robins Financial Credit Union NCUA insured?

Yes. Robins Financial Credit Union is a federally insured credit union (NCUA charter #68670). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Robins Financial Credit Union's TellerScore?

94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Robins Financial Credit Union have?

23 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Warner Robins

InstitutionScoreAssetsCapitalProblem loansCompare
Cgr Credit UnionCredit union Macon, GA95 out of 100, Very strong$120.0M22.2%0.52%vs
Sunmark Community BankBank Perry, GA92 out of 100, Very strong$556.6M14.6%0.02%vs
Macon Firemen'S Credit UnionCredit union Macon, GA90 out of 100, Very strong$5.9M27.1%0.56%vs
The Citizens Bank of CochranBank Cochran, GA90 out of 100, Very strong$201.4M14.8%0.33%vs
Vallant BankBank Elberton, GA78 out of 100, Strong$4.0B12.7%0.51%vs
Georgia Community BankBank Albany, GA78 out of 100, Strong$375.0M13.7%1.25%vs