State credit union · Danville, Illinois · NCUA charter #60390
Tee-pak
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $23.5M
- Total assets
- 2,301
- Members
- 12.6%
- Net-worth ratio
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.
Tee-pak - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)94
- Earnings (ROA)0
- Member growth14
- Liquidity (loan-to-share)87
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.61% | 30% |
| Delinquency Rate | 0.65% | 25% |
| Return on Assets | -0.90% | 15% |
| Member Growth | -3.84% | 15% |
| Loan-to-Share Ratio | 61.24% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Tee-pak
Tee-pak is a state credit union headquartered in Danville, Illinois, serving 2,301 members with $23.5M in total assets and $11.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 69/100 (Good), anchored by a net worth ratio of 12.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #60390 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.65% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 61.24% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.90% on net income of $-210798 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.84%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.61% 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 12.61% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.