Side-by-side · Q2 2026 data
Union Bank vs Upper Cumberland Federal Credit Union
Credit union
Upper Cumberland Federal Credit Union
Crossville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Union Bank | Upper Cumberland Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 72 (stronger) |
| Capital cushion | 57 (stronger) | 49 |
| Loan quality | 84 | 93 (stronger) |
| Earnings | 40 | 68 (stronger) |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 47th | 57th |
| Total assets | $247.0M | $140.5M |
| Deposits / shares | $223.5M | $125.7M |
| Capital ratio | 10.68% (stronger) | 9.92% |
| Problem loans | 0.49% | 0.20% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.15% |
| Return on assets | 0.51% | 1.19% (stronger) |
| Loans ÷ deposits | 44.2% (stronger) | 87.2% |
| Uninsured deposits | 15.6% | 2.9% (stronger) |
| Offices | 3 | 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), Union 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.
Where both have branches
- Clarkrange, TN