State credit union · Danville, Illinois · NCUA charter #60390
TEE-PAK
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $23.5M
- Total assets
- 2,301
- Members
- 16.0%
- Net-worth ratio
TEE-PAK scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.5M; members 2,301; net-worth ratio 16.02%; health rank #3,641 of 4,374; healthier than 16th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,641 of 4,374 health · 2025Q4TEE-PAK · health 69/100 · $23.5M · 2025Q4
- ASSETS 69/100
- MEM 16.0%
- RANK 0.65%
- PHOTO -0.90%
- BOOK $23.5M
- CHARTER 2,301
- NCUSIF #3,641/4,374
- CAMELS STRATEGIC
- HEALTH 60390
Call Report peers
TEE-PAK in the assets neighbourhood
TEE-PAK's $23.5M assets sit next to STRATEGIC ($23.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TEE-PAK vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
TEE-PAK - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60390, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where TEE-PAK diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 61.24% vs peer 59.80% (+1.44 pp).
- Return on Assets trails the peer set - -0.90% here, 0.70% peer average (-1.60 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
TEE-PAK in Illinois
- Health composite ranks #161 of 192 among scored Illinois credit unions.
- By total assets, TEE-PAK is #97 of 192 in Illinois.
- Member book place in Illinois: #98 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
TEE-PAK Call Report trajectory
TEE-PAK: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.2% from $23.5M (2025Q4) to $24.5M (2026Q1).
- Net-worth ratio shifted -0.32 pp (16.34% → 16.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.02% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.5 pts
- Return on Assets 0.0 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 13.4 pts
TEE-PAK health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.02% | +1.16 pp |
| Delinquency Rate | 0.65% | -0.49 pp |
| Return on Assets | -0.90% | -1.60 pp |
| Member Growth | -3.84% | - |
| Loan-to-Share Ratio | 61.24% | +1.44 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.5M | - |
| 2025Q4 | $23.5M | 2,301 |
| 2024Q4 | $25.6M | 2,393 |
| 2023Q4 | $22.0M | 2,504 |
Credit Union Details
- Charter Number
- 60390
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Danville
- Data Quarter
- 2025Q4
Branch Location
TEE-PAK operates a single office in Danville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Vermillion St (Main Office) | Danville, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Cross-state Call Report peers for TEE-PAK
Cross-state asset and health neighbours for TEE-PAK - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- TEE-PAK ranks #3,641 of 4,374 nationally on financial health and #161 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rockford Municipal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rockford Municipal Employees
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is TEE-PAK financially healthy?
Yes/no aside, the number is 69/100 (Good) - TEE-PAK's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,641 of 4,374; by total assets it ranks #3,037 of 4,374 nationally (same basis as /rankings/largest); and #97 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.02% net worth ratio and 0.65% delinquency rate are the key drivers.
How does TEE-PAK compare to other credit unions?
TEE-PAK scores 69/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join TEE-PAK?
Membership eligibility for TEE-PAK depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TEE-PAK directly for current membership requirements and application steps.
Is my money safe at TEE-PAK?
Federal credit unions like TEE-PAK are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. TEE-PAK's net worth ratio of 16.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TEE-PAK offer compared to banks?
Credit unions like TEE-PAK are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact TEE-PAK directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.