ROBINS FINANCIAL
Charter #68670 · Warner Robins, GA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 272,542 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 17.33% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.81% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.15% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.33% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ROBINS FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.91B | 81th pct | 85th pct |
| Members | 272,542 | 82th pct | 82th pct |
| Net worth ratio | 17.33% | 97th pct | 93th pct |
| Return on average assets | 1.81% | 98th pct | 93th pct |
| Net interest margin | 3.49% | 59th pct | 48th pct |
| Cost of funds | 1.15% | 24th pct | 25th pct |
| Loan-to-share | 69.29% | 13th pct | 13th pct |
| Delinquency 60+ days | 0.33% | 19th pct | 21th pct |
| Net charge-off ratio | 0.41% | 36th pct | 26th pct |
| Loan growth YoY | 1.35% | 44th pct | 41th pct |
| Share growth YoY | 4.21% | 53th pct | 51th pct |
| Efficiency ratio | 56.73% | 7th pct | 7th pct |
structural peer set hash: 3dc4cd46c9046c13ec7382d164180001… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.