ROBINS FINANCIAL CREDIT UNION (EIN 580641605) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2016

Legal Domicile

Principal Officer

CHRISTINA O'BRIEN

Phone

8002412405

Tax Period

2023-01-01 to 2023-12-31

ROBINS FINANCIAL CREDIT UNION, founded in 2016, is a major nonprofit that reported $216.0M in total revenue in fiscal year 2023. Revenue surged 28% from the prior year, signaling strong growth momentum. The organization ran a surplus of $60.1M, a strong 28% operating margin.

Mission

STATE-CHARTERED CREDIT UNION THAT OFFERS MEMBERS FINANCIAL PRODUCTS SUCH AS MORTGAGE LOANS, AUTO LOANS, VISA CARDS, AND DEPOSIT PRODUCTS THAT INCLUDES SAVINGS, CHECKING, MONEY MARKET, AND CERTIFICATES.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $180,998,007

Investment Income $34,985,899

Other Revenue $0

TOTAL REVENUE $215,983,906

Expense Breakdown

Grants Paid $550,326

Salaries & Benefits $47,637,427

Fundraising Expenses $0

Other Expenses $107,699,852

TOTAL EXPENSES $155,887,605

Year-over-Year Comparison

	2023	2022	Change
Revenue	$215,983,906	$169,374,848	+0.3%
Expenses	$155,887,605	$119,716,477	+0.3%
Net Income	$60,096,301	$49,658,371	+0.2%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

645

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$1,493,512

Total Directors

Key Employees

$508,612

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTINA M O'BRIEN	PRESIDENT/CEO	40.00	Officer	$854,500	$45,746	$900,246
ANDREA DENICE COTE	SR VP/ CAO	40.00	Key Emp	$462,816	$45,796	$508,612
ROBERT L DYAL	SR VP OF LENDING	40.00	Highest	$322,391	$119,177	$441,568
JOHN D COZART	SR VP OF TECHNOLOGY	40.00	Highest	$325,051	$41,753	$366,804
KEITH BECKHAM	SR VP OF CS	40.00	Highest	$305,766	$32,109	$337,875
JASON C PARKER	SR VP OF RISK	40.00	Highest	$305,834	$23,831	$329,665
SCOTT KLETCKE	SR VP /CFO	40.00	Officer	$287,478	$42,141	$329,619
TAMMY L ROSS	VP OF BRANCH SRV/OPS	40.00	Highest	$282,079	$46,790	$328,869
BRANT MALONE	CHIEF FINANCIAL OFFICER	40.00	Officer	$235,893	$27,754	$263,647
DON JARZYNKA	CHAIRMAN	2.00	Officer Director	$0	$0	$0
MIKE PARKER	VICE CHAIRMAN	2.00	Officer Director	$0	$0	$0
DONALD HANSON	SECRETARY	2.00	Officer Director	$0	$0	$0
EDWARD C HILLIARD	PAST CHAIR	2.00	Director	$0	$0	$0
JANE PARKER	TREASURER	2.00	Director	$0	$0	$0
JOHN A JONES	BOARD MEMBER	2.00	Director	$0	$0	$0
BARRY BROWN	BOARD MEMBER	2.00	Director	$0	$0	$0
JAMES KIDD	BOARD MEMBER	2.00	Director	$0	$0	$0
TROY HUBBARD	BOARD MEMBER	2.00	Director	$0	$0	$0
JOHN KUBINEC	BOARD MEMBER	2.00	Director	$0	$0	$0
EDWIN WOLFE	BOARD MEMBER	2.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$215,983,906	$155,887,605	$4,325,042,301	$60,096,301
2022	$169,374,848	$119,716,477	$4,329,298,307	$49,658,371
2021	$147,788,018	$101,867,790	$3,880,052,195	$45,920,228
2020	$144,241,424	$105,876,511	$3,340,269,474	$38,364,913
2019	$140,285,092	$97,822,432	$2,738,616,657	$42,462,660
2018	$126,518,041	$85,595,487	$2,509,837,153	$40,922,554

ROBINS FINANCIAL CREDIT UNION