BlastPoint's Credit Union Scorecard
ROBINS FINANCIAL
Charter #68670 · GA
ROBINS FINANCIAL has 6 strengths but faces 4 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.06% above tier average
- + Net Interest Margin 0.24% above tier average
- + Net Worth Ratio: Top 0.1% in tier
- + Total Assets: Top 2.6% in tier
- + Total Deposits: Top 5.1% in tier
- + Efficiency Ratio: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 3.4% in tier
- - Credit Quality Pressure: Bottom 34.5% in tier
- - Credit Risk Growth: Bottom 58.9% in tier
- - Indirect Auto Dependency: Bottom 66.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
272,542
+0.0% YoY+0.3% QoQ
|
+52.1K |
220,435
-7.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
82% |
| Assets |
$4.9B
+3.5% YoY+2.5% QoQ
|
+$993.3M |
$3.9B
-1.5% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Top 3.8% in tier |
| Loans |
$2.8B
+4.0% YoY+0.6% QoQ
|
$-71.0M |
$2.9B
-1.1% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$4.1B
+1.4% YoY+2.7% QoQ
|
+$774.9M |
$3.3B
-2.5% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Top 6.4% in tier |
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| ROA |
1.8%
+0.8% YoY+7.4% QoQ
|
+1.1% |
0.7%
+10.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Top 1.3% in tier |
| NIM |
3.4%
+5.2% YoY-0.6% QoQ
|
+0.2% |
3.2%
+4.6% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
63% |
| Efficiency Ratio |
56.7%
+0.3% YoY-4.0% QoQ
|
-14.5% |
71.3%
-2.6% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
Top 6.4% in tier |
| Delinquency Rate |
0.3%
+37.5% YoY-26.5% QoQ
|
-0.4 |
0.7%
+9.2% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
15% |
| Loan To Share |
69.3%
+2.6% YoY-2.0% QoQ
|
-18.7% |
88.0%
+0.9% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 10.3% in tier |
| AMR |
$25,298
+2.4% YoY+1.5% QoQ
|
$-5K |
$30,672
+5.5% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
27% |
| CD Concentration |
24.5%
-3.7% YoY+2.7% QoQ
|
-4.3% | 28.8% | 20.0% | 19.8% | 30% |
| Indirect Auto % |
36.4%
-8.2% YoY-0.5% QoQ
|
+18.4% | 18.1% | 4.3% | 7.7% | Bottom 14.1% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)