FAIRMONT SCHOOL EMPLOYEES
Charter #24612 · FAIRMONT, MN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 537 sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.12% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 3.46% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.62% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 56.53% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FAIRMONT SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.05M | 50th pct | 16th pct |
| Members | 537 | 47th pct | 8th pct |
| Net worth ratio | 10.61% | 16th pct | 33th pct |
| Return on average assets | -0.19% | 28th pct | 30th pct |
| Net interest margin | 3.12% | 24th pct | 11th pct |
| Cost of funds | 3.46% | 98th pct | 95th pct |
| Loan-to-share | 88.21% | 85th pct | 67th pct |
| Delinquency 60+ days | 1.35% | 59th pct | 64th pct |
| Net charge-off ratio | 1.62% | 89th pct | 89th pct |
| Loan growth YoY | -0.38% | 72th pct | 61th pct |
| Share growth YoY | 6.32% | 85th pct | 79th pct |
| Efficiency ratio | 56.53% | 13th pct | 10th pct |
structural peer set hash: ec36575ff14d1ffaf49b7caf7624d616… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.