Robins Financial Credit Union Warner Robins, Georgia
Robins Financial Credit Union is a state-chartered credit union headquartered in Warner Robins, GA, established in 1954 (NCUA charter 68670), and it is regulated and insured by the NCUA. At Q2 2026 it reported 273,627 members and total assets of $4.97B (up 5.6% from Q2 2025), the 2nd largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 17.61% at Q2 2026, in the well capitalized band.
Also written as Robins Financial CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68670
- Headquarters
- Warner Robins, GA
- Established
- 1954
- Total assets, Q2 2026
- $4.97B
- Assets vs Q2 2025
- +5.6%
- Members, Q2 2026
- 273,627
- Net worth ratio, Q2 2026
- 17.61%
- Latest call report
- Q2 2026, NCUA 5300 · Robins Financial Credit Union call report
- Asset rank in state
- 2nd of 71 in Georgia
- Routing number
- 261171587
- Branches
- 23
It has 662 more members than on June 30, 2025 (+0.2%). Its net worth ratio was up 0.85 percentage points from 16.76% on June 30, 2025. New vehicle loans are its largest loan category, $804.3M of $2.90B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.40% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 17.61% net worth ratio is above that band's 10.89% median.
Credit unions merged into Robins Financial Credit Union
Jeff Davis Credit Union (2016) · Piney Grove Community Federal Credit Union (2014)
Frequently asked about Robins Financial Credit Union
How big is Robins Financial Credit Union?
At Q2 2026 it reported total assets of $4.97B and 273,627 members.
Where is Robins Financial Credit Union headquartered?
It is headquartered in Warner Robins, GA, United States.
When was Robins Financial Credit Union founded?
It was established in 1954, per NCUA records.
Is Robins Financial Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68670): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Robins Financial Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Robins Financial Credit Union well capitalized?
Its net worth ratio was 17.61% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Robins Financial Credit Union's delinquency ratio?
Its delinquency ratio was 0.40% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Robins Financial Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 70.62% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Warner Robins, GA 31093
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 68670
- RSSD ID
- 410784
- Members
- 273,627
- Potential members
- 4,144,301
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 6 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 17.61% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 2.06% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 11.73% | 8.07% | 80th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.45% | 3.45% | 51st above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 53.59% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 0.98% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.40% | 0.68% | 81st top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.44% | 5.12% | 12th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 70.62% | 88.03% | 17th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.97B total assets against $4.71B; $4.10B total shares and deposits against $3.94B; $2.90B total loans against $2.78B.
$875.5M net worth against $788.9M.
17.61% net worth ratio against 16.76%.
70.62% loan-to-share ratio against 70.53%.
0.40% delinquency ratio against 0.30%.
2.06% return on assets against 1.56%; 11.73% return on equity against 9.31%.
3.45% net interest margin against 3.46%.
273,627 members against 272,965.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.61% | 2.06% | 0.40% | 70.62% |
| March 31, 2026 | 17.33% | 1.79% | 0.33% | 69.29% |
| December 31, 2025 | 17.30% | 1.52% | 0.45% | 70.68% |
| September 30, 2025 | 17.18% | 1.85% | 0.38% | 71.25% |
| June 30, 2025 | 16.76% | 1.56% | 0.30% | 70.53% |
| March 31, 2025 | 16.26% | 1.74% | 0.24% | 67.51% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.