Annual Report. Better Banking for Everyone
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1 2017 Annual Report Better Banking for Everyone
2 2017 Board of Directors Jackie D. Cleghorn Chairman John A. Jones Vice Chairman Barry Brown Treasurer Kenneth L. Babbitt Secretary Mary S. Edenfield-Gibbs Director Donald R. Hanson Director Edward C. Hilliard Director James A. Kidd Director Michael D. Parker Director Harold J. Sawyer Emeritus
3 Annual Meeting Agenda Call to Order & Declaration of Quorum Invocation and Pledge of Allegiance Appointment of Parliamentarian Chairman s Welcome & Introductions Minutes of the Previous Meeting Video Presentation Message from the Chairman Message from the President/ CEO Supervisory Committee Report Unfinished Business New Business Election Update Prize Drawings Adjournment
4 A Message from the Chairman & President Robins Financial Credit Union had another successful financial performance in The credit union continues to have outstanding growth with membership exceeding 188,000 and total assets increasing to 2.4 billion. We are recognized as one of the most financially safe and sound credit unions in the entire industry. Robins Financial was recently awarded on a state and national level the Youth Financial Education Award for the financial literacy programs provided to high school and college students. In 2018 we are opening a new location on Russell Parkway in Warner Robins that will provide a full service branch along with an expanded Mortgage Department and Call Center. We will also be adding a second location in the Athens market in Watkinsville. Robins Financial remains committed to providing more convenience for our members.
5 The staff, management team, and Board of Directors would like to thank you for your support of Robins Financial Credit Union. We look forward to helping you achieve your financial goals in John R. Rhea President/CEO Jackie D. Cleghorn Chairman
6 Member Benefits Why bank at Robins Financial? As a member, you re an owner of the credit union and everything we do is with you in mind. All our profits are returned back to our members in the form of higher dividend rates, lower loan rates, and little to no fees. 12,000,000 Paid to members in Loyalty Rewards 1,800,000 In ATM fees refunded to members 8,000,000 Dividends paid to members with deposit accounts 800,000 In NSF fees refunded to members Products & Services At Robins Financial, our goal is to help you save & earn more money by offering products and services that best meet your needs and help you achieve your financial goals. 357 First Time Auto Loans were issued with balances totaling 3,879,823 29,000 Mobile banking apps were downloaded for free giving members 24/7 anywhere account access 38 ATMS were upgraded with the latest security technology & the ability to accept cash deposits 277 First Time Mortgage Loans with balances totaling 35,086,822 Card Guard App was introduced giving members the ability to turn on/off and manage their debit & credit cards Our new Dublin branch location opened to better serve our members in and around Laurens County
7 Financial Literacy Robins Financial is dedicated to providing financial literacy to high school and college students. In 2017, we were awarded the Desjardins Youth Financial Education Award by the Georgia Credit Union Affiliates for providing the It s A Money Thing program in schools. In addition, this program also received an Honorable Mention in the National Award Competition. 40,000 Invested in student scholarship programs to further the education of young people in the community 7,200 Accounts opened for new youth members (ages 16-26) 11,500 Students attended 842 financial literacy classes at 27 schools in our community 2017 Desjardins Youth Financial Education Award Winner Serving Our Community We re also big supporters of our local communities. We partner with various charitable groups and organizations who better our communities by building homes for families, researching cures for cancer, taking care of children in need, supporting our veterans and many other vital contributions. 53,500 Donated by employees to United Way of Central Georgia 33,000 pounds of sensitive documents shredded during our free community shred days 50 CARE PACKAGES were sent to RAFB troops overseas by our employees 250 TOYS collected for Toys for Tots 30,000 raised by our staff for Children s Miracle Network benefiting our local Children s Hospital of Macon 22,000 in holiday donations were given to 28 charities during our annual 25 Days of Giving campaign 50 SHOEBOXES for the elderly were donated by employees to support Meals on Wheels
8 Supervisory Committee Report The Supervisory Committee is an independent group of volunteers who represent the members of Robins Financial Credit Union. The Committee s role is to review operational, compliance and examination reports to ensure that the Credit Union is managed in a manner that is fiscally and ethically sound. Based on these reviews, it is our opinion that Robins Financial Credit Union is operating in a safe and sound manner and, in all material respects, is compliant with applicable laws, rules and regulations. In 2017, the Committee engaged Nearman, Maynard, Vallez CPA & Consultants to audit the annual financial statements and internal controls. Additionally, examiners from the Georgia Department of Banking & Finance and the National Credit Union Association conducted their annual examinations. These organizations all reported that Robins Financial Credit Union continues to be financially strong, stable and extremely well-managed. We are dedicated to maintaining the high level of service, security and value that our members have come to expect from Robins Financial Credit Union. We look forward to another successful year in 2018.
9 Supervisory Committee John A. Jones Chairman Troy Hubbard Don Jarzynka Jane Parker
10 Statement of Financial Condition ASSETS Loans 1,291,817, ,487,297, Less: Allowance for Loan Loss (9,741,639.58) (11,284,446.39) Cash 25,021, ,144, Investments 809,205, ,042, Fixed Assets 23,774, ,643, Other Assets 83,876, ,548, Total Assets 2,223,953, ,383,391, LIABILITIES Member Deposits 1,819,778, ,938,689, Dividends Payable 142, , Accounts Payable 12,461, ,567, Other Liabilities 14,978, ,424, Total Liabilities 1,847,359, ,976,838, MEMBERS EQUITY Regular Reserve 12,679, ,679, Undivided Earnings/ Other Reserves 363,545, ,505, Equity Acquired in Merger 369, , Total Members Equity 376,593, ,553, Total Liabilities & Members Equity 2,223,953, ,383,391,862.85
11 INCOME & NON-OPERATING INCOME Loan Interest Income 52,423, ,185, Investment Income 12,413, ,904, Other Income 35,718, ,985, Total Income 100,555, ,075, EXPENSES Dividend Expenses 7,734, ,521, Provision for Loan Loss 4,944, ,062, Employee Compensation and Benefits 24,042, ,406, Other Operating Expenses 21,607, ,241, NCUSIF Assessment 0 0 Total Expenses 58,330, ,231, Net Income 42,225, ,843, Total Members 175, ,707
12 Historical Growth DEPOSITS ,938,689, ,819,778, ,714,909, ,634,974, LOANS ,487,297, ,291,817, ,156,985, ,064,839, Highlights Member deposits grew 118,911,555 or 6.53% Robins paid out over 9.5 million in dividends to members Loans increased by 195,480,463 or 15.13% 1,123 members received new real estate loans with balances totaling 152,379,769
13 ASSETS ,383,391, ,223,953, ,072,384, ,953,108, MEMBERS , , , , Highlights Assets grew 159,438,395 or 7.17% 23,322 loans granted in 2017 totaling 501,235, Membership increased by 13,277 Opened 26,083 new checking accounts
14 Sixty-Third Annual Meeting of the Membership ROBINS FINANCIAL CREDIT UNION, WARNER ROBINS, GEORGIA CALL TO ORDER The Sixty-Third Annual Meeting of the members of Robins Financial Credit Union was called to order by Chairman Jackie Cleghorn at the Robins Financial Credit Union Learning Center on March 9, 2017, at 6 p.m. Chairman Cleghorn declared a quorum present. Director Mike Parker gave the invocation and led the attendees in the Pledge of Allegiance. Chairman Cleghorn appointed Kirby R. Moore as Parliamentarian for the meeting. Chairman Cleghorn welcomed all in attendance and introduced the following Board of Directors: James Kidd, Mary Edenfield-Gibbs, Ed Hilliard, Donald Hanson, Dr. Mike Parker, Board Member Emeritus Harold Sawyer, Attorney Kirby Moore, Secretary Ken Babbitt, Treasurer Barry Brown, Vice-Chairman Johnny Jones and President/CEO John Rhea. PREVIOUS ANNUAL MEETING MINUTES Chairman Cleghorn called for any changes to the minutes of the previous Annual Meeting which was held on March 10, There being none, the minutes were approved as presented. ORDER OF BUSINESS Chairman Cleghorn introduced a video presentation of the 2016 highlights and what to look forward to in Chairman Cleghorn then introduced President and CEO John Rhea.
15 PRESIDENT S MESSAGE President Rhea reviewed the 2016 financial accomplishments of Robins and presented the strategic goals for SUPERVISORY REPORT Chairman Cleghorn presented the Supervisory Report in the 2016 Annual Report. UNFINISHED BUSINESS Chairman Cleghorn called for any unfinished business. There was none. NEW BUSINESS Chairman Cleghorn then called for any new business. There was none. ELECTION Chairman Cleghorn reported that the Nominating Committee submitted the names Ken Babbitt, James Kidd, and Mike Parker for the 3 year term vacancies. There were no nominations by petition. Therefore, those nominated by the committee were appointed. PRIZE DRAWINGS President Rhea announced that prize drawings totaling 3,800 in cash would be given away and commenced with awarding the prizes as the numbers were drawn. ADJOURNMENT Chairman Cleghorn adjourned the meeting at 6:30 p.m. Ken Babbitt Secretary Jackie Cleghorn Chairman
16 Thank you for your continued loyalty to Robins Financial Credit Union. We pride ourselves on being your financial services provider of choice while delivering Better Banking for Everyone. We have designed a variety of products and services to meet your needs throughout every stage of life and help you achieve your financial goals. Our financial experts are always on hand to help you with any advice you may need. We will work with you one-on-one to design a financial plan that best suits your unique needs. We hope you continue to grow with us in 2018 as we stay committed to serving you and our community. Thank you for your membership. How to reach us: Download our Apps: Telephone: or Online: Social Media: Federally insured by NCUA. Contact the credit union for membership details.
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