BlastPoint's Credit Union Scorecard
FAIRMONT SCHOOL EMPLOYEES
Charter #24612 · 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
|
16% |
| 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
|
25% |
| 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
|
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 |
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
|
69% |
| 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
|
19% |
| 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
|
66% |
| 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
|
43% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
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)