Side-by-side · Q2 2026 data
Upper Cumberland Federal Credit Union vs City Employees Credit Union
Credit union
Upper Cumberland Federal Credit Union
Crossville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Upper Cumberland Federal Credit Union | City Employees Credit Union |
|---|---|---|
| TellerScore | 72 | 90 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 93 (stronger) | 84 |
| Earnings | 68 | 80 (stronger) |
| Funding & liquidity | 73 | 90 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 57th | 95th |
| Total assets | $140.5M | $115.3M |
| Deposits / shares | $125.7M | $87.2M |
| Capital ratio | 9.92% | 23.08% (stronger) |
| Problem loans | 0.20% (stronger) | 0.47% |
| Net charge-offs | 0.15% (stronger) | 0.27% |
| Return on assets | 1.19% | 1.50% (stronger) |
| Loans ÷ deposits | 87.2% | 70.6% (stronger) |
| Uninsured deposits | 2.9% (stronger) | 10.3% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.7% |
City Employees Credit Union has the higher TellerScore (90 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Upper Cumberland Federal Credit Union leads on 3 and City Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.