BlastPoint's Credit Union Scorecard
FAIRMONT SCHOOL EMPLOYEES
Charter #24612 · MN
FAIRMONT SCHOOL EMPLOYEES has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.22% above tier average
- - Fee Income Per Member: Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
532
+1.5% YoY+0.6% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 14.5% in tier |
| Assets |
$4.0M
+0.4% YoY+3.3% QoQ
|
$-26.2M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$3.1M
-10.4% YoY-4.7% QoQ
|
$-12.7M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$3.5M
-0.5% YoY+3.7% QoQ
|
$-22.2M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
0.9%
+72.8% YoY-23.4% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
3.0%
+18.2% YoY-1.8% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
65.8%
+1.5% YoY+17.3% QoQ
|
-16.7% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
2.8%
+135.2% QoQ
|
+1.2 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Top 14.4% in tier |
| Loan To Share |
86.5%
-9.9% YoY-8.2% QoQ
|
+25.8% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
Top 13.7% in tier |
| AMR |
$12,367
-6.8% YoY-0.9% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)