Side-by-side · Q2 2026 data
First Farmers & Commercial Bank vs Upper Cumberland Federal Credit Union
Credit union
Upper Cumberland Federal Credit Union
Crossville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | First Farmers & Commercial Bank | Upper Cumberland Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 72 (stronger) |
| Capital cushion | 49 | 49 |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 53 | 68 (stronger) |
| Funding & liquidity | 77 (stronger) | 73 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 47th | 57th |
| Total assets | $226.4M | $140.5M |
| Deposits / shares | $202.8M | $125.7M |
| Capital ratio | 9.86% | 9.92% (stronger) |
| Problem loans | 0.07% (stronger) | 0.20% |
| Net charge-offs | -0.00% (stronger) | 0.15% |
| Return on assets | 0.82% | 1.19% (stronger) |
| Loans ÷ deposits | 80.3% (stronger) | 87.2% |
| Uninsured deposits | 17.4% | 2.9% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Upper Cumberland Federal Credit Union has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Commercial Bank leads on 3 and Upper Cumberland Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.