B
Upper Cumberland Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
9.86
Leverage
Ratio
9.86
Return On
Assets
1.39%
Total
Assets
133.39M
Capital
13.28M
Total
Deposits
118.72M
Net
Income
1.35M
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Weiss Ratings Upper Cumberland Federal Credit Union
Crossville, TN 		Click to
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Rating B
Asset Quality Index 9.70
Capitalization Index 7.60
Liquidity Index 3.60
Profitability Index 8.40
Stability Index 6.60
Company Info Upper Cumberland Federal Credit Union
Crossville, TN 		Click to
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NCUA Charter Number 630
Phone Number (931) 484-9433
Website www.ucfcu.org
Asset Quality Upper Cumberland Federal Credit Union
Crossville, TN 		Click to
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1-Year Asset Growth 9.71%
5-Year Asset Growth 10.67%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 0.18%
Non-Performing Loans to Capital 1.64%
Non-Performing Loans to Loans 0.20%
Balance Sheet Upper Cumberland Federal Credit Union
Crossville, TN 		Click to
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Total Assets 133.39M
Total Deposits 118.72M
Capital and Reserves Upper Cumberland Federal Credit Union
Crossville, TN 		Click to
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Capital 13.28M
Leverage Ratio 9.86
Loan Loss Reserves to Loans 0.97%
Liquidity Upper Cumberland Federal Credit Union
Crossville, TN 		Click to
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Hot Money Ratio 1.18%
Liquidity Ratio 20.25%
Profitability Upper Cumberland Federal Credit Union
Crossville, TN 		Click to
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5-Year Return on Average Assets 0.82%
Net Income 1.35M
Net Interest Spread 4.78%
Operating Profit to Average Assets 1.63%
Overhead Efficiency Ratio 68.81%
Return on Assets 1.39%
Return on Equity 14.33%