Side-by-side · Q2 2026 data
Upper Cumberland Federal Credit Union vs Clinchfield Federal Credit Union
Credit union
Upper Cumberland Federal Credit Union
Crossville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Upper Cumberland Federal Credit Union | Clinchfield Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 83 (stronger) |
| Capital cushion | 49 | 75 (stronger) |
| Loan quality | 93 (stronger) | 92 |
| Earnings | 68 (stronger) | 62 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 57th | 83rd |
| Total assets | $140.5M | $140.3M |
| Deposits / shares | $125.7M | $122.8M |
| Capital ratio | 9.92% | 12.49% (stronger) |
| Problem loans | 0.20% (stronger) | 0.25% |
| Net charge-offs | 0.15% | 0.10% (stronger) |
| Return on assets | 1.19% (stronger) | 1.05% |
| Loans ÷ deposits | 87.2% | 54.6% (stronger) |
| Uninsured deposits | 2.9% (stronger) | 3.1% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.7% |
Clinchfield Federal Credit Union has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Upper Cumberland Federal Credit Union leads on 3 and Clinchfield Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.