Upper Cumberland
Crossville, TN · Charter 832 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$140.5MAssets
$109.6MLoans
$125.7MShares
$13.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 93% of credit unions under $1B in assets (rank 119 of 1681).
- Widest gap: equity / assets trails 84% of credit unions under $1B in assets (rank 1409 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.19%
Rank 413 of 1,683
Net Interest Margin
3.95%
Rank 710 of 1,683
Efficiency Ratio
68.81%
Rank 416 of 1,682
Equity / Assets
9.62%
Rank 1,409 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.35% | 0.74% | 1.18% | Beats 75% | 413 / 1,683 | |
| Return on Equity | 12.36% | 2.67% | 5.89% | 8.74% | Beats 93% | 119 / 1,681 | |
| Net Interest Margin | 3.95% | 3.31% | 3.82% | 4.32% | Beats 58% | 710 / 1,683 | |
| Efficiency Ratio | 68.81% | 68.91% | 78.20% | 86.93% | Beats 75% | 416 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.26% | 0.65% | 1.29% | Beats 79% | 347 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.62% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,409 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.62% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,409 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 87.18% | 52.61% | 69.38% | 83.50% | 81st pctl | 314 / 1,683 | |
| Loans / Assets | 77.98% | 44.71% | 59.18% | 70.72% | 89th pctl | 189 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |