Side-by-side · Q2 2026 data
Upper Cumberland Federal Credit Union vs Holley Credit Union
Credit union
Upper Cumberland Federal Credit Union
Crossville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Upper Cumberland Federal Credit Union | Holley Credit Union |
|---|---|---|
| TellerScore | 72 | 85 (stronger) |
| Capital cushion | 49 | 89 (stronger) |
| Loan quality | 93 (stronger) | 83 |
| Earnings | 68 | 84 (stronger) |
| Funding & liquidity | 73 | 73 |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 57th | 87th |
| Total assets | $140.5M | $105.3M |
| Deposits / shares | $125.7M | $89.2M |
| Capital ratio | 9.92% | 13.85% (stronger) |
| Problem loans | 0.20% (stronger) | 0.51% |
| Net charge-offs | 0.15% (stronger) | 0.70% |
| Return on assets | 1.19% | 1.59% (stronger) |
| Loans ÷ deposits | 87.2% (stronger) | 87.5% |
| Uninsured deposits | 2.9% (stronger) | 4.4% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Holley Credit Union has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Upper Cumberland Federal Credit Union leads on 4 and Holley Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.