Side-by-side · Q2 2026 data
Upper Cumberland Federal Credit Union vs Trust Federal Credit Union
Credit union
Upper Cumberland Federal Credit Union
Crossville, Tennessee · $100 million – $1 billion
Credit union
Trust Federal Credit Union
Chattanooga, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Upper Cumberland Federal Credit Union | Trust Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 44 |
| Capital cushion | 49 | 67 (stronger) |
| Loan quality | 93 (stronger) | 0 |
| Earnings | 68 (stronger) | 34 |
| Funding & liquidity | 73 | 74 (stronger) |
| Problem-loan coverage | 97 (stronger) | 55 |
| Peer percentile | 57th | 2nd |
| Total assets | $140.5M | $141.8M |
| Deposits / shares | $125.7M | $123.7M |
| Capital ratio | 9.92% | 11.65% (stronger) |
| Problem loans | 0.20% (stronger) | 3.41% |
| Net charge-offs | 0.15% (stronger) | 0.23% |
| Return on assets | 1.19% (stronger) | 0.36% |
| Loans ÷ deposits | 87.2% | 85.8% (stronger) |
| Uninsured deposits | 2.9% (stronger) | 11.8% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.9% |
Upper Cumberland Federal Credit Union has the higher TellerScore (72 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Upper Cumberland Federal Credit Union leads on 5 and Trust Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.