TellerScore

Upper Cumberland Federal Credit Union is a federal credit union headquartered in Crossville, Tennessee, in business for about 91 years. At the end of Q2 2026 it reported $140.5M in total assets and $125.7M in member shares and deposits, with 2 offices.

Upper Cumberland Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 70th. Problem-loan coverage contributes the most (97/100, 1.6%); capital cushion contributes the least (49/100, 9.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.92%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.20%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity73/100
Loans ÷ shares: 87.2% · 2.9% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.65%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (78 → 72), mostly because the earnings component weakened by 16 points.

TellerScore
667278Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202471
Q1 202571
Q2 202578
Q3 202575
Q4 202566
Q1 202669
Q2 202672
Net worth ratio
7.00%8.58%10.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.62%
Q3 20249.71%
Q4 20249.74%
Q1 20259.75%
Q2 202510.16%
Q3 202510.16%
Q4 20259.63%
Q1 20269.66%
Q2 20269.92%
Delinquent loans (60+ days)
0.08%0.17%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.22%
Q3 20240.22%
Q4 20240.15%
Q1 20250.17%
Q2 20250.15%
Q3 20250.20%
Q4 20250.26%
Q1 20260.08%
Q2 20260.20%
Return on assets
0.66%1.13%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.68%
Q4 20240.69%
Q1 20250.78%
Q2 20251.59%
Q3 20251.35%
Q4 20250.66%
Q1 20260.74%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$140.5M9.92%0.20%1.19%87.2%
Q1 202669$138.1M9.66%0.08%0.74%86.1%
Q4 202566$133.2M9.63%0.26%0.66%87.4%
Q3 202575$133.4M10.16%0.20%1.35%83.3%
Q2 202578$131.0M10.16%0.15%1.59%77.5%
Q1 202571$129.2M9.75%0.17%0.78%71.5%
Q4 202471$124.1M9.74%0.15%0.69%69.6%
Q3 202471$121.6M9.71%0.22%0.68%65.6%
Q2 202471$119.9M9.62%0.22%0.70%64.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.92%
27th
Problem loans0.20%
89th
Net charge-offs0.15%
77th
Return on assets1.19%
77th
Loans to deposits87.2%
23rd
Uninsured deposits2.9%
83rd
Loan-loss reserves0.00%
50th
Texas ratio1.6%
80th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Clinchfield Federal Credit UnionCredit union Erwin, TN83 out of 100, Strong$140.3M12.5%0.25%vs
Trust Federal Credit UnionCredit union Chattanooga, TN44 out of 100, Below average$141.8M11.7%3.41%vs
Kimberly Clark Credit UnionCredit union Memphis, TN75 out of 100, Strong$144.7M22.3%1.33%vs
F a a Federal Credit UnionCredit union Cordova, TN91 out of 100, Very strong$131.1M18.6%0.87%vs
Scenic Community Credit UnionCredit union Hixson, TN47 out of 100, Below average$163.8M9.4%1.46%vs
City Employees Credit UnionCredit union Knoxville, TN90 out of 100, Very strong$115.3M23.1%0.47%vs

Deposit insurance

Is my money safe at Upper Cumberland Federal Credit Union?

Yes. Upper Cumberland Federal Credit Union is a federally insured credit union (NCUA charter #832). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.9% of shares and deposits ($3.7M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.92%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Upper Cumberland Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Upper Cumberland Federal Credit Union
Type
Federal credit union
NCUA charter #
832
RSSD ID
689777
Primary regulator
NCUA
Established
1935
Headquarters
PO Box 529, Crossville, TN 38557
Employees
40

Quick answers

Upper Cumberland Federal Credit Union: common questions

Is Upper Cumberland Federal Credit Union NCUA insured?

Yes. Upper Cumberland Federal Credit Union is a federally insured credit union (NCUA charter #832). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Upper Cumberland Federal Credit Union's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Upper Cumberland Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Crossville

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Highland Federal Savings and Loan AssociationBank Crossville, TN89 out of 100, Very strong$79.0M22.2%0.00%vs
First National Bank of TennesseeBank Livingston, TN86 out of 100, Very strong$1.4B11.6%0.28%vs
One Bank of TennesseeBank Cookeville, TN79 out of 100, Strong$1.7B9.1%0.01%vs
Builtwell BankBank Chattanooga, TN73 out of 100, Strong$2.3B9.7%0.57%vs
First Farmers & Commercial BankBank Pikeville, TN71 out of 100, Strong$226.4M9.9%0.07%vs