State credit union · Warner Robins, Georgia · NCUA charter #68670
Robins Financial
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $4.79B
- Total assets
- 271,656
- Members
- 17.3%
- Net-worth ratio
Robins Financial scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.79B; members 271,656; net-worth ratio 17.33%; health rank #455 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#455 of 4,374 health · 2025Q4Robins Financial · health 94/100 · $4.79B · 2025Q4
- MEM 94/100
- RANK 17.3%
- PHOTO 0.45%
- BOOK 1.28%
- CHARTER $4.79B
- NCUSIF 271,656
- CAMELS #455/4,374
- HEALTH TOWER
- NW 68670
Call Report peers
Robins Financial in the assets neighbourhood
Robins Financial's $4.79B assets sit next to TOWER ($4.79B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Robins Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Robins Financial - Share Insurance Coverage
Charter #68670's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Robins Financial diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 17.33% vs peer 11.18% (+6.15 pp).
- Loan-to-Share Ratio trails the peer set - 70.68% here, 83.90% peer average (-13.22 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Robins Financial: in-state Call Report ranks
- Health composite ranks #14 of 74 among scored Georgia credit unions.
- By total assets, Robins Financial is #2 of 74 in Georgia.
- Georgia membership ordinal: #2 of 74.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Robins Financial's 5300 filing moved
Robins Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $4.79B (2025Q4) to $4.91B (2026Q1).
- Net-worth ratio shifted +0.03 pp (17.30% → 17.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.33% | +6.15 pp |
| Delinquency Rate | 0.45% | -0.42 pp |
| Return on Assets | 1.28% | +0.77 pp |
| Member Growth | 0.10% | - |
| Loan-to-Share Ratio | 70.68% | -13.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.91B | - |
| 2025Q4 | $4.79B | 271,656 |
| 2024Q4 | $4.59B | 271,382 |
| 2023Q4 | $4.33B | 267,868 |
Credit Union Details
- Charter Number
- 68670
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Georgia
- City
- Warner Robins
- Data Quarter
- 2025Q4
Branch Locations (24)
Per its most recent NCUA branch filing, Robins Financial runs 24 offices in 14 different cities.
| Office | City |
|---|---|
| Watson Branch (Main Office) | Warner Robins, GA |
| Athens Branch | Athens, GA |
| Conyers | Conyers, GA |
| Dublin Branch | Dublin, GA |
| Eastman | Eastman, GA |
| Forsyth | Forsyth, GA |
| Fort Valley Branch | Fort Valley, GA |
| Gray Branch | Gray, GA |
| Hartley Bridge Branch | Macon, GA |
| Log Cabin Branch | Macon, GA |
| Zebulon Branch | Macon, GA |
| Riverside Branch | Macon, GA |
| Mulberry | Macon, GA |
| Milledgeville Branch | Milledgeville, GA |
| Sinclair | Milledgeville, GA |
| Perry Branch | Perry, GA |
| Perry Main Street | Perry, GA |
| Robins AF Base Branch #3 | Robins AFB, GA |
| Swainsboro Branch | Swainsboro, GA |
| Houston Road Branch | Warner Robins, GA |
| Chantilly Branch | Warner Robins, GA |
| Highway 96 Branch | Warner Robins, GA |
| Russell Parkway | Warner Robins, GA |
| Watkinsville Branch | Watkinsville, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
Robins Financial nationwide neighbourhoods
Cross-state asset and health neighbours for Robins Financial - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.79B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Robins Financial ranks #455 of 4,374 nationally on financial health and #14 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Georgia's Own is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Georgia's Own
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Robins Financial financially healthy?
Yes/no aside, the number is 94/100 (Excellent) - Robins Financial's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #455 of 4,374; by total assets it ranks #94 of 4,374 nationally (same basis as /rankings/largest); and #2 of 74 within Georgia. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.33% net worth ratio and 0.45% delinquency rate are the key drivers.
How does Robins Financial compare to other credit unions?
PlainCU's health composite puts Robins Financial at 94/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Robins Financial?
Membership eligibility for Robins Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Robins Financial directly for current membership requirements and application steps.
Is my money safe at Robins Financial?
Federal credit unions like Robins Financial are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Robins Financial's net worth ratio of 17.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Robins Financial offer compared to banks?
Credit unions like Robins Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Robins Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.