Safe and Sound

ROBINS FINANCIAL

WARNER ROBINS, GA
5
Star Rating
Founded in 1954, ROBINS FINANCIAL is an NCUA-insured credit union based in WARNER ROBINS, GA. The credit union holds $2.38 billion in assets, according to December 31, 2017, regulatory filings.

Thanks to the work of 403 full-time employees, the credit union currently holds loans and leases worth $1.48 billion. ROBINS FINANCIAL's 188,707 members currently have $1.94 billion in shares with the credit union.

Overall, Bankrate believes that, as of December 31, 2017, ROBINS FINANCIAL exhibited a superior condition, earning a full 5 stars for safety and soundness. Here's a breakdown of how the credit union faired on the three major criteria Bankrate used to evaluate American credit unions on safety and soundness.

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THE INSTITUTION'S SCORE

Capital Score

When it comes to measuring an institution's financial fortitude, capital is valuable. It acts as a cushion against losses and affords protection for members when a credit union is experiencing financial instability. When it comes to safety and soundness, more capital is preferred.

ROBINS FINANCIAL did better than the national average of 15.65 points on our test to measure the adequacy of a credit union's capital, receiving a score of 26 out of a possible 30 points.

ROBINS FINANCIAL appears to be stronger than its peers, with a capitalization ratio of 26.00 percent in our test, higher than the average for all credit unions.

Asset Quality Score

This test is intended to try to understand how the credit union's capitalization and allocated loan loss reserves could be affected by problem assets, such as past-due loans.

Having extensive holdings of these types of assets could eventually require a credit union to use capital to absorb losses, decreasing its equity buffer. Many of those assets are also likely to be in non-accrual status and thus aren't earning money, pushing down earnings and elevating the chances of a future failure.

On Bankrate's asset quality test, ROBINS FINANCIAL scored 40 out of a possible 40 points, beating out the national average of 38.09 points.

A lower-than-average ratio of troubled assets of 0.00 percent in our test was potentially indicative of superior financial strength compared to other credit unions.

Earnings score

How successful a credit union is at earning money affects its safety and soundness. Earnings can be retained by the credit union, boosting its capital cushion, or be used to deal with problematic loans, potentially making the credit union more resilient in tough times. Obviously, credit unions that are losing money have less ability to do those things.

ROBINS FINANCIAL scored 18 out of a possible 30 on Bankrate's earnings test, above the national average of 10.11.

One sign that ROBINS FINANCIAL is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.

WHAT IS SAFE & SOUND?

Bankrate.com's Safe & Sound Ratings provide a star rating system to evaluate the current financial status of financial institutions. The information gathered about banks, credit unions and thrifts is updated as set forth in the Terms of Use of Safe & Sound Ratings and Reports. The Safe & Sound Ratings information is grouped by categories of banks, thrifts and credit unions.

Scoring methodology

Bankrate.com evaluates the financial condition of institutions and assigns a one- to five-star rating for each with five stars representing the highest rating. Institutions with satisfactory performance will generally receive a rating of three or more stars. The majority of institutions fall into the three- to four-star range. An institution with an "NR" rating may be too new to rate or may have limited the publicly available information in their regulatory filings. The "NR" is not an indication of financial strength or weakness. The Safe & Sound rating is believed to be reliable, but the information is not guaranteed. In addition, events since the information was collected may have altered the institution's financial condition.