It might just be lens bubbles. When optical glass is manufactured sometimes very tiny bubbles form within the glass. I've seen them in enlarger lenses and also camera lenses including Leica glass which I use. If it is the bubbles it will have no effect on the image. Usually fungus forms spider like lines along the surface of the lens. Maybe somebody can correct me but I don't think fungus can form within an element. Bubbles are within an element. If they are bubbles usually there are only 2 or 3. If there are many more then it might be something else.