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I am sorry to say but the only way to tell the cause of a tumor is to sample it (either with a needle or by cutting into it) or to remove it and submit it for histopathology. We need to see the cells that are present before we can make a determination about the cause and if it needs to be removed or addressed in any other way.
Fatty tumors are not very common in cats, they are much more common in dogs so I think that the benefit to your cat of having it checked out by a vet far outweighs the stress of a veterinary visit.
In this case, the best recommendation I could make is to have your cat examined by a veterinarian and have the mass sampled. Given its small size, it would be much easier to remove now as opposed to later when it is bigger.
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All the Best,