Side-by-side · Q2 2026 data
Upper Cumberland Federal Credit Union vs Scenic Community Credit Union
Credit union
Upper Cumberland Federal Credit Union
Crossville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Upper Cumberland Federal Credit Union | Scenic Community Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 47 |
| Capital cushion | 49 (stronger) | 44 |
| Loan quality | 93 (stronger) | 51 |
| Earnings | 68 (stronger) | 20 |
| Funding & liquidity | 73 (stronger) | 67 |
| Problem-loan coverage | 97 (stronger) | 66 |
| Peer percentile | 57th | 4th |
| Total assets | $140.5M | $163.8M |
| Deposits / shares | $125.7M | $147.5M |
| Capital ratio | 9.92% (stronger) | 9.37% |
| Problem loans | 0.20% (stronger) | 1.46% |
| Net charge-offs | 0.15% (stronger) | 1.02% |
| Return on assets | 1.19% (stronger) | 0.00% |
| Loans ÷ deposits | 87.2% (stronger) | 93.7% |
| Uninsured deposits | 2.9% (stronger) | 4.2% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Upper Cumberland Federal Credit Union has the higher TellerScore (72 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Upper Cumberland Federal Credit Union leads on 7 and Scenic Community Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.