I dont think you really have to go out of your way to vet perform biopsy. I dont know if they do or capable of doing such unless experienced in fish necropsy/fish pathology.
With an assumption that neon in the pic is not with us anymore (that means pathogens are dead as well in the freezer), you can prepared simple mount without staining procedure (staining procedure is on the live bacteria if memory serves, their ability to absorb Gram stains). Simple scarpel will do.
You can at least be able to determine the type of bacteria accoding to its shape. With this cytophaga Sp, it shoud a be a rod shape, maybe in the filament.
If memory serves, exact classification is not easy even for expert without proper facilities unless they have live infected fish on their hand where they can extract live samples to perform whatever procedures (beyond our scope) they need to perform to id the bacteria/pathogens.
Anyway, if you happened to notice another one isolating itself from group and/or hang near the top, should try the Quickcure method described above as those mixtures have indeed saved few tankful of cardinals at local wholeseller I happened to vist couple of weeks ago. Within 5 days of treatment, all their cardinals settled and experienced no further loss.
I also helped them with tankful of Scats suffering from shimming and hovering at top corner with simple treatment.
Odd enough, got a call from them few days ago to come work at their facilities, at least part time, to assist stablizing their livestock before being sold to lfs.
If meory serves, Neons are from SE Asia and Cardinals are mostly wild fish.
I rarely encountered bacterial infections with Neons when Ideal Conditions were well provided. On the other hand, I experienced Argulus problems on Neons from SE Asia pretty often. And Argulus can lead to other infections when not properly taken care of.
Cardinals/Rummys etc from SA via Florida always displayed more implications, perhaps NTD due to stress, but eventually found the way to properly acclimate them to new water and sometimes with my mixture of meds, I was able to eradicate most of their commonly occuring probelms.
If you happened to aquire more info from vet, post it as I am very curious as well(another way I can learn more).
Hope your tank settle down soon.