When it comes to your credits in the Private mode, your credits are exclusive to you. If you create content on the private mode, your team mode credits won't get affected, and vice versa.
Similarly, if you generate content on the team mode, your credits consumed don't affect your private mode credits.
Also, team credits are accounted for as a single pool. So, if your team has 5 members with total credits worth 150K words, your credits aren't divided between the members. It's available as a single pool of 3000 credits (150K words).
As such, you cannot count the credit usage of different members (though you can check productivity for each member).