Side-by-side · Q2 2026 data
Highland Federal Savings and Loan Association vs Upper Cumberland Federal Credit Union
Bank
Highland Federal Savings and Loan Association
Crossville, Tennessee · Under $100 million in assets
Credit union
Upper Cumberland Federal Credit Union
Crossville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Highland Federal Savings and Loan Association | Upper Cumberland Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 44 | 68 (stronger) |
| Funding & liquidity | 98 (stronger) | 73 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 87th | 57th |
| Total assets | $79.0M | $140.5M |
| Deposits / shares | $60.3M | $125.7M |
| Capital ratio | 22.20% (stronger) | 9.92% |
| Problem loans | 0.00% (stronger) | 0.20% |
| Net charge-offs | 0.00% (stronger) | 0.15% |
| Return on assets | 0.61% | 1.19% (stronger) |
| Loans ÷ deposits | 62.5% (stronger) | 87.2% |
| Uninsured deposits | 6.9% | 2.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Highland Federal Savings and Loan Association has the higher TellerScore (89 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Highland Federal Savings and Loan Association leads on 5 and Upper Cumberland Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.