Federal credit union · Crossville, Tennessee · NCUA charter #832
Upper Cumberland
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $133.2M
- Total assets
- 9,259
- Members
- 9.7%
- Net-worth ratio
Upper Cumberland scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $133.2M; members 9,259; net-worth ratio 9.66%; health rank #74 of 4,374; healthier than 98th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#74 of 4,374 health · 2025Q4Upper Cumberland · health 99/100 · $133.2M · 2025Q4
- NW 99/100
- DELQ 9.7%
- ROA 0.26%
- ASSETS 0.64%
- MEM $133.2M
- RANK 9,259
- PHOTO #74/4,374
- BOOK FINEX
- CHARTER 832
Call Report peers
Upper Cumberland in the assets neighbourhood
Upper Cumberland's $133.2M assets sit next to FINEX ($133.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Upper Cumberland vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
99 Top 2% higher than 98% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Upper Cumberland - Share Insurance Coverage
Charter #832's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Upper Cumberland vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 87.44% vs peer 72.20% (+15.24 pp).
- Largest lag: Net Worth Ratio at 9.66% vs peer 12.11% (-2.45 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Upper Cumberland: in-state Call Report ranks
- In Tennessee, health place is #5 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, Upper Cumberland is #37 of 127 in Tennessee.
- Membership ranks #35 of 127 among Tennessee CUs with a reported count (9,259 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Upper Cumberland
Upper Cumberland: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $133.2M (2025Q4) to $138.1M (2026Q1).
- Net-worth ratio shifted +0.03 pp (9.63% → 9.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.66% | -2.45 pp |
| Delinquency Rate | 0.26% | -0.64 pp |
| Return on Assets | 0.64% | +0.02 pp |
| Member Growth | 6.46% | - |
| Loan-to-Share Ratio | 87.44% | +15.24 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Upper Cumberland filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $138.1M | - |
| 2025Q4 | $133.2M | 9,259 |
| 2024Q4 | $124.1M | 8,697 |
| 2023Q4 | $116.1M | 8,422 |
Credit Union Details
- Charter Number
- 832
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- Crossville
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Upper Cumberland runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| 627 Livingston Road (Main Office) | Crossville, TN |
| Clarkrange Branch | Clarkrange, TN |
| Putnam County Branch | Cookeville, TN |
| South Branch | Crossville, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Cross-state Call Report peers for Upper Cumberland
Two NCUA Call Report peer sets for Upper Cumberland, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($133.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- Upper Cumberland ranks #74 of 4,374 nationally on financial health and #5 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CLINCHFIELD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CLINCHFIELD
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Upper Cumberland financially healthy?
Upper Cumberland scores 99/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #74 of 4,374; by total assets it ranks #1,583 of 4,374 nationally (same basis as /rankings/largest); and #37 of 127 within Tennessee. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.66% net worth ratio and a 0.26% delinquency rate.
How does Upper Cumberland compare to other credit unions?
Upper Cumberland scores 99/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Upper Cumberland?
Upper Cumberland operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Upper Cumberland directly for the exact boundaries and application steps.
Is my money safe at Upper Cumberland?
Federal credit unions like Upper Cumberland are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Upper Cumberland's net worth ratio of 9.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Upper Cumberland offer compared to banks?
Credit unions like Upper Cumberland are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Upper Cumberland directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.