Fairmont School Employees
Fairmont, MN · Charter 24612 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$4.3MAssets
$3.3MLoans
$3.8MShares
$444KNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 87% of credit unions under $1B in assets (rank 218 of 1682).
- Widest gap: net interest margin trails 95% of credit unions under $1B in assets (rank 1603 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.61%
Rank 1,000 of 1,683
Net Interest Margin
2.59%
Rank 1,603 of 1,683
Efficiency Ratio
61.82%
Rank 218 of 1,682
Equity / Assets
10.44%
Rank 1,264 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.61% | 0.35% | 0.74% | 1.18% | Beats 41% | 1,000 / 1,683 | | |
| Return on Equity | 5.86% | 2.67% | 5.89% | 8.74% | Beats 49% | 849 / 1,681 | | |
| Net Interest Margin | 2.59% | 3.31% | 3.82% | 4.32% | Beats 5% | 1,603 / 1,683 | | |
| Efficiency Ratio | 61.82% | 68.91% | 78.20% | 86.93% | Beats 87% | 218 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.98% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,117 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.44% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,264 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.44% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,264 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.60% | 52.61% | 69.38% | 83.50% | 79th pctl | 357 / 1,683 | | |
| Loans / Assets | 76.60% | 44.71% | 59.18% | 70.72% | 87th pctl | 227 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |