Tee-Pak Credit Union

Tee-Pak Credit Union is headquartered in Danville and is the 131^st largest credit union in the state of Illinois. It is also the 3,866^th largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 5 employees and 2,887 members. Tee-Pak Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Tee-Pak Credit Union Savings Account Rates

Tee-Pak Credit Union CD Rates

Data for Q4 2011

Institution Statistics TEE-PAK NCUA # 60390 BankRate Report View Year Chartered 1949 Employees 5 Primary Regulator Assets and Liabilities Assets $16.34 million Loans $11.59 million Deposits $13.34 million Equity Capital $2.84 million Loan Loss Allowance $118,000 Unbacked Noncurrent Loans $87,000 Historic Data - December 2010 Assets $14.52 million Equity Capital $2.72 million Loan Loss Allowance $108,000 Unbacked Noncurrent Loans $150,000 Profit Margin - Quarterly Net Interest Margin 6.1% Return on Assets 0.72% Return on Equity 4.13% Interest Income $788,000 Non-Interest Income $139,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Tee-Pak Credit Union had $87,000 in non-current loans and owned real-estate with $2.95 million in equity and loan loss allowances on hand to cover it. This gives Tee-Pak Credit Union a Texas Ratio of 2.95% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Tee-Pak Credit Union decreased significantly from 5.31% as of December 31, 2010 to 2.95% as of December 31, 2011, resulting in a positive change of 44.51%.This indicates that the balance sheet and financial strength for Tee-Pak Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Tee-Pak Credit Union has increased its total deposits by $1.55 million, resulting in 13.17% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Tee-Pak Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Tee-Pak Credit Union has $16.34 million in assets with $2.95 million in equity, resulting in a capitalization level of 18.08%, which is excellent.

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