FAIRMONT SCHOOL EMPLOYEES
Charter #24612 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
FAIRMONT SCHOOL EMPLOYEES has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% 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
- + Loan-to-Share Ratio: Top 7.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
529
+0.8% YoY+1.5% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 14.8% in tier |
| Assets |
$3.8M
-2.3% YoY-4.3% QoQ
|
$-26.0M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 15.7% in tier |
| Loans |
$3.2M
-7.5% YoY-2.2% QoQ
|
$-12.6M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
25th in tier |
| Deposits |
$3.4M
-4.1% YoY-5.1% QoQ
|
$-22.1M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 17.5% in tier |
| ROA |
1.2%
+6786.8% YoY+3.4% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
69th in tier |
| NIM |
3.0%
+21.6% YoY+0.3% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 18.6% in tier |
| Efficiency Ratio |
56.1%
-16.6% YoY+2.3% QoQ
|
-25.3% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
1.2%
-28.9% YoY-38.9% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
66th in tier |
| Loan To Share |
94.1%
-3.6% YoY+3.1% QoQ
|
+32.9% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 7.9% in tier |
| AMR |
$12,483
-6.5% YoY-5.2% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
43rd in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
201
Loan-to-Share Ratio
balance_sheet
Value:
94.15%
Peer Avg: 61.23%
#201 of 2596
Top 7.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
269
Efficiency Ratio
profitability
Value:
56.13%
Peer Avg: 81.39%
#269 of 2596
Top 10.3% in <100M tier
Top Weaknesses (8 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2275
Members Per Employee (MPE)
engagement
Value:
176.333
Peer Avg: 365.701
#2275 of 2596
Bottom 12.4% in <100M tier
2243
AMR Growth Rate
growth
Value:
-6.50%
Peer Avg: 4.67%
#2243 of 2596
Bottom 13.6% in <100M tier
2213
Total Members
engagement
Value:
529
Peer Avg: 2,626
#2213 of 2596
Bottom 14.8% in <100M tier
2189
Total Assets
balance_sheet
Value:
$3.83M
Peer Avg: $29.86M
#2189 of 2596
Bottom 15.7% in <100M tier
2142
Total Deposits
balance_sheet
Value:
$3.40M
Peer Avg: $25.45M
#2142 of 2596
Bottom 17.5% in <100M tier
2112
Net Interest Margin (NIM)
profitability
Value:
3.01%
Peer Avg: 3.93%
#2112 of 2596
Bottom 18.7% in <100M tier
2048
Deposit Growth Rate
growth
Value:
-4.10%
Peer Avg: 16.80%
#2048 of 2596
Bottom 21.1% in <100M tier