you're not using the good scale. for goalie it look like this

Update Scale
6-7 1 tpe
8-9 2 tpe
10-11 5 tpe
12-13 8 tpe
14-15 15 tpe
16-17 25 tpe
18-20 40 tpe

I have upgraded recovery, goalie stamina, mental toughness, and rebound. I did not upgrade blocker and reflexes because lack of tpe. So with that, your new bank is at 6 TPE.