Federal credit union · FAIRMONT, Minnesota · NCUA charter #24612
Fairmont School Employees
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $4.0M
- Total assets
- 532
- Members
- 10.6%
- Net-worth ratio
Fairmont School Employees scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.0M; members 532; net-worth ratio 10.61%; health rank #2,997 of 4,374; healthier than 31st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,997 of 4,374 health · 2025Q4Fairmont School Employees · health 78/100 · $4.0M · 2025Q4
Call Report peers
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Fairmont School Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Fairmont School Employees sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Fairmont School Employees diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +22.85 pp (86.45% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -8.45 pp (10.61% vs 19.06%).
Fairmont School Employees: in-state Call Report ranks
- Minnesota health ordinal: #66 of 82.
- By total assets, Fairmont School Employees is #78 of 82 in Minnesota.
- Membership ranks #77 of 82 among Minnesota CUs with a reported count (532 members).
- One place up in Minnesota, Share Advantage (#65) ties at 78/100; one place down, WAKOTA (#67) ties at 78/100.
Fairmont School Employees Call Report trajectory
Fairmont School Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $4.0M (2025Q4) to $4.0M (2026Q1).
- Net-worth ratio shifted -0.28 pp (10.89% → 10.61%).
This credit union's 10.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Fairmont School Employees gives up 22 points in total. Delinquency Rate costs the most, 17.3 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.7 pts
- Return on Assets 15.0 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 14.5 pts
Fairmont School Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.61% | -8.45 pp |
| Delinquency Rate | 2.77% | +0.97 pp |
| Return on Assets | 0.52% | +0.06 pp |
| Member Growth | 1.53% | - |
| Loan-to-Share Ratio | 86.45% | +22.85 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Fairmont School Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.0M | - |
| 2025Q4 | $4.0M | 532 |
| 2024Q4 | $3.9M | 524 |
| 2023Q4 | $3.9M | 542 |
Credit Union Details
- Charter Number
- 24612
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Minnesota
- City
- FAIRMONT
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Fairmont School Employees.
| Office | City |
|---|---|
| Main Office (Main Office) | Fairmont, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Fairmont School Employees ranks #2,997 of 4,374 nationally on financial health and #66 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Transit Operations is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Transit Operations
Frequently Asked Questions
Is Fairmont School Employees financially healthy?
Fairmont School Employees has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,997 of 4,374 nationally on health and #66 of 82 in Minnesota. Its net worth ratio is 10.61% and its delinquency rate 2.77%.
How does Fairmont School Employees compare to other credit unions?
Fairmont School Employees scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (86.45% vs 63.60%). Its widest shortfall is net worth ratio (10.61% vs 19.06%).
How can I join Fairmont School Employees?
Fairmont School Employees is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Fairmont School Employees directly to confirm eligibility.
Is my money safe at Fairmont School Employees?
Fairmont School Employees is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Fairmont School Employees's net worth ratio of 10.61% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.