BlastPoint's Credit Union Scorecard
FAIRMONT SCHOOL EMPLOYEES
Charter #24612 · MN
FAIRMONT SCHOOL EMPLOYEES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Member Growth Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.87% below tier average
- - Fee Income Per Member: Bottom 3.0% in tier
- - Net Interest Margin (NIM): Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Minnesota.
- Shares and deposits +6.1% year over year ($3.8M in shares and deposits).
- Membership: 544 members, +4.4% vs a year ago.
- Delinquency rate 0.98%.
- Return on assets 0.62%.
- Efficiency ratio 62.61% vs a 88.77% peer average.
- Loan-to-share ratio 85.60% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
544
+4.4% YoY+1.3% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
Bottom 15.0% in tier |
| Assets |
$4.3M
+6.1% YoY+5.1% QoQ
|
$-26.0M |
$30.3M
+1.5% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$3.3M
-0.5% YoY+2.1% QoQ
|
$-12.2M |
$15.5M
-1.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$3.8M
+6.1% YoY+5.2% QoQ
|
$-22.0M |
$25.8M
+1.1% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
18% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-45.2% YoY-433.2% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
39% |
| NIM |
2.6%
-12.5% YoY-14.7% QoQ
|
-1.3% |
3.9%
+0.9% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.7% in tier |
| Efficiency Ratio |
62.6%
+14.2% YoY+10.8% QoQ
|
-26.2% |
88.8%
-6.9% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
Top 14.3% in tier |
| Delinquency Rate |
1.0%
-49.1% YoY-27.1% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
85.6%
-6.2% YoY-3.0% QoQ
|
+26.7% |
58.9%
-3.1% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Top 13.5% in tier |
| AMR |
$12,982
-1.4% YoY+2.4% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.4% | 7.7% | 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)