PackageTrendsPeer
Letter portraitLegal landscape

Axton

Glasgow, KY · Charter 21657

NCUA · 1 branch

Q4 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Axton

Glasgow, KY · Charter 21657

NCUA · 1 branch

Q4 2016

$2.9MAssets
$1.4MLoans
$2.2MShares
$755KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.42%, down 171 bps year over year; NIM at 1.32%.
  • Asset quality: problem loans at 0.15% of loans (+15 bps YoY).
  • Capital: net worth / assets of 25.61%, down 275 bps from a year ago.
  • Funding: loans stand at 65.09% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.42%-171 bps YoY

Net Interest Margin (YTD, annualized)

1.32%-191 bps YoY

Efficiency Ratio (YTD, annualized)

192.89%+10,116 bps YoY

Net Worth / Assets

25.61%-275 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.29%0.54%0.45%0.36%-1.42%-171 bps
Return on Equity1.02%1.91%1.61%1.31%-5.56%-657 bps
Net Interest Margin3.23%3.35%3.25%3.10%1.32%-191 bps
Efficiency Ratio91.74%84.98%87.13%89.20%192.89%+10,116 bps
Growth
Asset Growth (YoY)1.93%0.19%-1.45%0.63%4.93%+300 bps
Loan Growth (YoY)3.99%4.51%-0.90%-11.12%-10.71%-1,470 bps
Share Growth (YoY)2.28%-0.21%-2.30%0.38%8.95%+666 bps
Asset Quality
Delinquent Loans / Loans0.00%0.31%0.11%0.27%0.15%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.29%1.31%1.38%1.47%1.34%+4 bps
Capital
Risk-Based Capital28.37%28.02%27.85%27.15%25.61%-275 bps
Net Worth / Assets28.37%28.02%27.85%27.15%25.61%-275 bps
Liquidity & Funding
Loans / Shares79.42%76.56%71.70%64.78%65.09%-1,433 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps