PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Upper Cumberland

Crossville, TN · Charter 832

NCUA · 4 branches

Q2 2026

$140.5MAssets
$109.6MLoans
$125.7MShares
$13.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.19%, down 41 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.20% of loans (+6 bps YoY).
  • Capital: net worth / assets of 9.62%, down 19 bps from a year ago.
  • Funding: loans stand at 87.18% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%-41 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+30 bps YoY

Efficiency Ratio (YTD, annualized)

68.83%-172 bps YoY

Net Worth / Assets

9.62%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.35%0.66%0.74%1.19%-41 bps
Return on Equity16.26%13.72%6.96%7.89%12.35%-390 bps
Net Interest Margin3.65%3.74%3.85%3.95%3.95%+30 bps
Efficiency Ratio70.55%68.81%82.63%79.78%68.83%-172 bps
Growth
Asset Growth (YoY)9.27%9.71%7.37%6.91%7.31%-196 bps
Loan Growth (YoY)31.18%38.44%33.74%27.61%21.92%-926 bps
Share Growth (YoY)8.32%9.09%6.46%6.03%8.34%+3 bps
Asset Quality
Delinquent Loans / Loans0.15%0.20%0.26%0.08%0.20%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.81%9.86%9.52%9.37%9.62%-19 bps
Net Worth / Assets9.81%9.86%9.52%9.37%9.62%-19 bps
Liquidity & Funding
Loans / Shares77.47%83.27%87.44%86.11%87.18%+971 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps