Side-by-side · Q2 2026 data
First National Bank of Tennessee vs Upper Cumberland Federal Credit Union
Credit union
Upper Cumberland Federal Credit Union
Crossville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | First National Bank of Tennessee | Upper Cumberland Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 72 |
| Capital cushion | 66 (stronger) | 49 |
| Loan quality | 91 | 93 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 91 (stronger) | 73 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 97th | 57th |
| Total assets | $1.4B | $140.5M |
| Deposits / shares | $1.2B | $125.7M |
| Capital ratio | 11.55% (stronger) | 9.92% |
| Problem loans | 0.28% | 0.20% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.15% |
| Return on assets | 2.11% (stronger) | 1.19% |
| Loans ÷ deposits | 58.6% (stronger) | 87.2% |
| Uninsured deposits | 23.1% | 2.9% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Tennessee has the higher TellerScore (86 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Tennessee leads on 5 and Upper Cumberland Federal Credit Union on 2. 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.