BlastPoint's Credit Union Scorecard
FAIRMONT SCHOOL EMPLOYEES
Charter #24612 · MN
FAIRMONT SCHOOL EMPLOYEES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Efficiency Ratio: Top 8.8% in tier
- + Loan-to-Share Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Fee Income Per Member: Bottom 4.7% in tier
- - Net Charge-Off Rate: Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
537
+1.3% YoY+0.9% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
Bottom 14.9% in tier |
| Assets |
$4.0M
+3.3% YoY+2.2% QoQ
|
$-26.1M |
$30.2M
+1.3% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$3.2M
-5.5% YoY+4.6% QoQ
|
$-12.1M |
$15.3M
-2.0% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
25% |
| Deposits |
$3.6M
+3.3% YoY+2.5% QoQ
|
$-22.2M |
$25.8M
+0.7% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
-0.2%
-110.1% YoY-120.7% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
3.1%
-6.5% YoY+4.2% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
21% |
| Efficiency Ratio |
56.5%
+9.8% YoY-14.1% QoQ
|
-34.1% |
90.6%
+6.5% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
Top 8.8% in tier |
| Delinquency Rate |
1.3%
+21.9% YoY-51.3% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
88.2%
-8.5% YoY+2.0% QoQ
|
+29.7% |
58.5%
-3.0% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 9.6% in tier |
| AMR |
$12,674
-2.3% YoY+2.5% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)