B
Upper Cumberland Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
9.81
Leverage
Ratio
9.81
Return On
Assets
1.63%
Total
Assets
130.97M
Capital
12.97M
Total
Deposits
116.03M
Net
Income
1.04M
My Lists My Alerts
Weiss Ratings Upper Cumberland Federal Credit Union
Crossville, TN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 9.80
Capitalization Index 6.90
Liquidity Index 4.60
Profitability Index 6.00
Stability Index 6.50
Company Info Upper Cumberland Federal Credit Union
Crossville, TN 		Click to
Compare		 Click to
Compare		 Click to
Compare
NCUA Charter Number 630
Phone Number (931) 484-9433
Website www.ucfcu.org
Asset Quality Upper Cumberland Federal Credit Union
Crossville, TN 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 9.27%
5-Year Asset Growth 10.67%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 1.08%
Non-Performing Loans to Loans 0.17%
Balance Sheet Upper Cumberland Federal Credit Union
Crossville, TN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 130.97M
Total Deposits 116.03M
Capital and Reserves Upper Cumberland Federal Credit Union
Crossville, TN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 12.97M
Leverage Ratio 9.81
Loan Loss Reserves to Loans 0.92%
Liquidity Upper Cumberland Federal Credit Union
Crossville, TN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 1.06%
Liquidity Ratio 26.15%
Profitability Upper Cumberland Federal Credit Union
Crossville, TN 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 0.82%
Net Income 1.04M
Net Interest Spread 4.68%
Operating Profit to Average Assets 1.86%
Overhead Efficiency Ratio 79.34%
Return on Assets 1.63%
Return on Equity 16.95%