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Letter portraitLegal landscapeQuarterYTD

Tee-Pak

Danville, IL · Charter 60390

NCUA · 1 branch

Q2 2026

$23.8MAssets
$11.9MLoans
$19.8MShares
$3.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.32%, up 6 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 0.89% of loans (+9 bps YoY).
  • Capital: net worth / assets of 16.28%, up 83 bps from a year ago.
  • Funding: loans stand at 60.06% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.32%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.71%+52 bps YoY

Efficiency Ratio (YTD, annualized)

90.58%+880 bps YoY

Net Worth / Assets

16.28%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.13%-0.82%-2.11%0.27%0.79%0.49%1.37%0.32%+6 bps
Return on Equity-7.81%-5.66%-14.22%1.72%4.80%2.98%8.55%1.98%+25 bps
Net Interest Margin3.56%3.38%4.21%4.18%4.66%4.79%4.96%4.71%+52 bps
Efficiency Ratio111.28%108.56%89.53%81.78%78.46%83.76%74.79%90.58%+880 bps
Growth
Asset Growth (YoY)15.15%16.66%2.35%1.56%-8.59%-8.31%-3.56%-4.56%-612 bps
Loan Growth (YoY)4.76%0.94%0.05%-5.73%-12.49%-10.95%-9.74%-5.40%+33 bps
Share Growth (YoY)19.70%22.26%4.03%0.63%-10.69%-10.16%-4.97%-3.59%-422 bps
Asset Quality
Delinquent Loans / Loans0.74%1.14%0.83%0.80%0.60%0.65%0.85%0.89%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.48%14.53%14.81%15.45%16.46%16.34%16.02%16.28%+83 bps
Net Worth / Assets14.48%14.53%14.81%15.45%16.46%16.34%16.02%16.28%+83 bps
Liquidity & Funding
Loans / Shares63.15%61.78%60.70%61.21%61.88%61.24%57.66%60.06%-115 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps