BlastPoint's Credit Union Scorecard
TEE-PAK
Charter #60390 · IL
TEE-PAK has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.84% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 1.20% above tier (higher cost structure)
- - Member decline: -3.8% YoY
- - Deposit Growth Rate: Bottom 6.8% in tier
- - Asset Growth Rate: Bottom 6.9% in tier
- - Net Charge-Off Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,301
-3.8% YoY-1.2% QoQ
|
-314 |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$23.5M
-8.3% YoY+0.1% QoQ
|
$-6.6M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$11.9M
-10.9% YoY-0.7% QoQ
|
$-3.9M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$19.4M
-10.2% YoY+0.3% QoQ
|
$-6.3M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
0.5%
-159.4% YoY-36.4% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
4.8%
+41.9% YoY+5.9% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
83.8%
-22.8% YoY+6.8% QoQ
|
+1.2% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.7%
-42.4% YoY+9.4% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
61.2%
-0.9% YoY-1.0% QoQ
|
+0.6% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$13,619
-6.9% YoY+1.1% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
10.6%
-14.8% YoY-0.0% QoQ
|
-13.8% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)