BlastPoint's Credit Union Scorecard

TEE-PAK

Charter #60390 · IL

<100M
2508 CUs in <100M nationally 137 in IL

TEE-PAK has 2 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.22% above tier average
  • + Net Interest Margin 0.96% above tier average

Key Concerns

Areas that may need attention

  • - Member decline: -3.8% YoY

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 2,291
-3.8% YoY-0.4% QoQ
-385 2,676
+1.6% YoY
22,133
+6.8% YoY
33,913
+5.7% YoY
57%
Assets $24.5M
-3.6% YoY+4.2% QoQ
$-5.7M $30.2M
+1.3% YoY
$406.0M
+9.7% YoY
$578.3M
+9.0% YoY
53%
Loans $11.8M
-9.7% YoY-1.3% QoQ
$-3.5M $15.3M
-2.0% YoY
$279.6M
+10.0% YoY
$402.4M
+8.7% YoY
56%
Deposits $20.4M
-5.0% YoY+4.9% QoQ
$-5.4M $25.8M
+0.7% YoY
$344.9M
+10.3% YoY
$494.3M
+9.1% YoY
53%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.4%
-165.3% YoY+180.7% QoQ
+1.2% 0.1%
-77.6% YoY
0.5%
-57.9% YoY
0.4%
-39.2% YoY
82%
NIM 5.0%
+18.4% YoY+3.6% QoQ
+1.0% 4.0%
+4.0% YoY
3.7%
-0.2% YoY
3.8%
+4.1% YoY
Top 12.4% in tier
Efficiency Ratio 74.8%
-16.5% YoY-10.7% QoQ
-15.8% 90.6%
+6.5% YoY
87.0%
+8.4% YoY
84.6%
+2.8% YoY
34%
Delinquency Rate 0.8%
+1.5% YoY+29.4% QoQ
-0.7 1.5%
+3.8% YoY
1.2%
+7.3% YoY
1.2%
+3.4% YoY
59%
Loan To Share 57.7%
-5.0% YoY-5.8% QoQ
-0.8% 58.5%
-3.0% YoY
60.2%
-0.9% YoY
65.6%
-1.4% YoY
49%
AMR $14,024
-3.1% YoY+3.0% QoQ
$-860 $14,884
-1.7% YoY
$15,723
+4.6% YoY
$19,920
+1.6% YoY
50%
CD Concentration 11.9%
+44.3% YoY+12.3% QoQ
-12.4% 24.3% 14.0% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 7.2% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
312
Net Interest Margin (NIM)
profitability
Value: 4.96%
Peer Median: 3.83%
#312 of 2508 Top 12.4% in <100M tier
431
Fee Income Per Member
profitability
Value: $129.49
Peer Median: $60.42
#431 of 2508 Top 17.1% in <100M tier
460
Return on Assets (ROA)
profitability
Value: 1.37%
Peer Median: 0.61%
#460 of 2508 Top 18.3% in <100M tier

Top Weaknesses (5 metrics)

2051
Deposit Growth Rate
growth
Value: -4.97%
Peer Median: 0.66%
#2051 of 2508 Bottom 18.3% in <100M tier
2008
Asset Growth Rate
growth
Value: -3.56%
Peer Median: 1.30%
#2008 of 2508 Bottom 20.0% in <100M tier
1923
Loan Growth Rate
growth
Value: -9.74%
Peer Median: -2.36%
#1923 of 2508 Bottom 23.4% in <100M tier
1898
AMR Growth Rate
growth
Value: -3.11%
Peer Median: 1.27%
#1898 of 2508 Bottom 24.4% in <100M tier
1890
Member Growth Rate
growth
Value: -3.78%
Peer Median: -1.37%
#1890 of 2508 Bottom 24.7% in <100M tier
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