Credit Union Safety Analysis
Is Robins Financial Credit Union Safe? Warner Robins, Georgia
Based on its Q2 2026 NCUA 5300 call report, Robins Financial Credit Union has a net worth ratio of 17.61%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.40%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Robins Financial Credit Union's net worth ratio is 17.61%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.61%
- Delinquency ratio (60+ days) (Q2 2026): 0.40%
- Return on assets (Q2 2026): 2.06%
- Loan-to-share ratio (Q2 2026): 70.62%
Robins Financial Credit Union (NCUA charter 68670, established 1954) reported $4.97B in assets and 273,627 members for Q2 2026 from Warner Robins, Georgia. It ranks 2 of 71 credit unions in Georgia by total assets. Total assets grew 5.6% from $4.71B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 17.33% for Q1 2026; 16.76% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.33% for Q1 2026; 0.30% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.79% for Q1 2026; 1.56% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 69.29% for Q1 2026; 70.53% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $804.3M
- 1- to 4-family residential and other consumer real estate loans: $789.2M
- Used vehicle loans: $718.4M
- Commercial loans: $391.1M
- Unsecured credit card loans: $120.1M
- Other unsecured loans and lines of credit: $39.8M
- Other secured non-real estate loans and lines of credit: $33.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.97B | 17.61% | 0.40% | 2.06% | 70.62% |
| March 31, 2026 | $4.91B | 17.33% | 0.33% | 1.79% | 69.29% |
| December 31, 2025 | $4.79B | 17.30% | 0.45% | 1.52% | 70.68% |
| September 30, 2025 | $4.72B | 17.18% | 0.38% | 1.85% | 71.25% |
| June 30, 2025 | $4.71B | 16.76% | 0.30% | 1.56% | 70.53% |
| March 31, 2025 | $4.74B | 16.26% | 0.24% | 1.74% | 67.51% |
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Free to use. It shows Robins Financial Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Robins Financial Credit Union profile
Regulator records: NCUA credit union profile (charter 68670) · FFIEC NIC profile (RSSD 410784)
Frequently asked questions
Is Robins Financial Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Robins Financial Credit Union's net worth ratio is 17.61%, above the 7% NCUA threshold for well capitalized.
Is Robins Financial Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Robins Financial Credit Union is a federally insured credit union (NCUA charter 68670): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Robins Financial Credit Union's key safety ratios?
For Q2 2026, Robins Financial Credit Union reports net worth 17.61%, delinquency 0.40%, ROA 2.06%, loan-to-share 70.62%.
What happens to my money if Robins Financial Credit Union fails?
For Q2 2026, Robins Financial Credit Union held $4.10B in shares and deposits for 273,627 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.