Side-by-side · Q2 2026 data
Builtwell Bank vs Upper Cumberland Federal Credit Union
Credit union
Upper Cumberland Federal Credit Union
Crossville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Builtwell Bank | Upper Cumberland Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 72 |
| Capital cushion | 47 | 49 (stronger) |
| Loan quality | 81 | 93 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 61 | 73 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 70th | 57th |
| Total assets | $2.3B | $140.5M |
| Deposits / shares | $2.0B | $125.7M |
| Capital ratio | 9.71% | 9.92% (stronger) |
| Problem loans | 0.57% | 0.20% (stronger) |
| Net charge-offs | -0.05% (stronger) | 0.15% |
| Return on assets | 2.07% (stronger) | 1.19% |
| Loans ÷ deposits | 76.6% (stronger) | 87.2% |
| Uninsured deposits | 35.9% | 2.9% (stronger) |
| Offices | 32 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | — |
Builtwell Bank has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Builtwell Bank leads on 4 and Upper Cumberland Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Clarkrange, TN