ROBINS FINANCIAL

Charter #68670 | GA

3B-5B (76 CUs) Mid-Market (380 CUs)
2 3B-5B in GA

ROBINS FINANCIAL has 7 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 16.1% in tier
  • + Wallet Share Momentum: Top 29.6% in tier
  • + ROA 0.98% above tier average
  • + Net Interest Margin 0.23% above tier average
  • + Net Worth Ratio: Top 0.0% in tier
  • + Efficiency Ratio: Top 5.3% in tier
  • + Total Assets: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 1.6% in tier
  • - Indirect Auto Dependency: Bottom 10.1% in tier
  • - Loan-to-Share Ratio: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 272,649
+0.5% YoY-0.1% QoQ
 +34.2K 238,465
+0.6% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 72nd in tier
Assets $4.7B
+3.2% YoY+0.3% QoQ
 +$748.5M $4.0B
-0.1% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 Top 10.5% in tier
Loans $2.8B
+5.2% YoY+0.3% QoQ
 $-234.4M $3.0B
+3.3% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 34th in tier
Deposits $3.9B
+1.1% YoY-0.7% QoQ
 +$575.2M $3.3B
+1.1% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 Top 17.1% in tier
ROA 1.7%
+33.6% YoY+4.2% QoQ
 +1.0% 0.7%
+5.3% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 Top 1.3% in tier
NIM 3.4%
+16.0% YoY+2.7% QoQ
 +0.2% 3.2%
+13.7% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 59th in tier
Efficiency Ratio 57.8%
-7.4% YoY-0.2% QoQ
 -13.5% 71.3%
-0.6% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 Bottom 5.3% in tier
Delinquency Rate 0.4%
-8.0% YoY+25.3% QoQ
 -0.5 0.8%
+15.9% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 Bottom 19.7% in tier
Loan To Share 71.2%
+4.1% YoY+1.0% QoQ
 -19.6% 90.8%
+2.0% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 Bottom 7.9% in tier
AMR $24,548
+2.3% YoY-0.2% QoQ
 $-5K $29,088
+0.1% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 26th in tier
CD Concentration 23.5%
-10.3% YoY-1.4% QoQ
 -5.5% 29.0%
+0.8% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 Bottom 24.5% in tier
Indirect Auto % 37.4%
-5.7% YoY-2.4% QoQ
 +18.6% 18.8%
-2.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 Top 14.5% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#117 of 264 • Top 16.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.27%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.4K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#215 of 264 • Top 29.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.27%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Liquidity Overhang

risk
#6 of 113 • Bottom 1.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 17.18%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 71.25%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY

Indirect Auto Dependency

risk
#63 of 202 • Bottom 10.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.21%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 37.39%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.49%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

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)

Comparing against 76 peers in tier

Top Strengths (9 metrics)

1
Return on Assets (ROA)
profitability
Value: 1.72%
Peer Avg: 0.75%
#1 of 76 Top 0.0% in 3B-5B tier
1
Net Worth Ratio
risk
Value: 17.18%
Peer Avg: 10.75%
#1 of 76 Top 0.0% in 3B-5B tier
5
Efficiency Ratio
profitability
Value: 57.75%
Peer Avg: 71.26%
#5 of 76 Top 5.3% in 3B-5B tier
8
Total Assets
balance_sheet
Value: $4.72B
Peer Avg: $3.97B
#8 of 76 Top 9.2% in 3B-5B tier
13
Total Deposits
balance_sheet
Value: $3.91B
Peer Avg: $3.33B
#13 of 76 Top 15.8% in 3B-5B tier
15
Share Certificate Concentration (%)
balance_sheet
Value: 23.46%
Peer Avg: 30.70%
#15 of 76 Top 18.4% in 3B-5B tier
16
Total Delinquency Rate (60+ days)
risk
Value: 0.38%
Peer Avg: 0.84%
#16 of 76 Top 19.7% in 3B-5B tier
18
Members Per Employee (MPE)
engagement
Value: 500.273
Peer Avg: 433.941
#18 of 76 Top 22.4% in 3B-5B tier
19
First Mortgage Concentration (%)
balance_sheet
Value: 20.23%
Peer Avg: 34.35%
#19 of 76 Top 23.7% in 3B-5B tier

Top Weaknesses (5 metrics)

70
Loan-to-Share Ratio
balance_sheet
Value: 71.25%
Peer Avg: 90.85%
#70 of 76 Bottom 9.2% in 3B-5B tier
64
Member Growth Rate
growth
Value: 0.49%
Peer Avg: 7.02%
#64 of 76 Bottom 17.1% in 3B-5B tier
64
Indirect Auto Concentration (%)
balance_sheet
Value: 37.39%
Peer Avg: 20.57%
#64 of 76 Bottom 17.1% in 3B-5B tier
64
Loan-to-Member Ratio (LMR)
engagement
Value: $10,213
Peer Avg: $13,761
#64 of 76 Bottom 17.1% in 3B-5B tier
60
Deposit Growth Rate
growth
Value: 1.08%
Peer Avg: 8.84%
#60 of 76 Bottom 22.4% in 3B-5B tier