UPPER CUMBERLAND Credit Union Profile

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UPPER CUMBERLAND

Charter #832 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (931) 484-9433

Fax: (931) 707-9842

Founding Date: N/A

Website: http://www.ucfcu.org

Personnel & Operations

President: Brock, Tony

Manager: Beasley, Amy

FT Employees: 37

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 66

Branches: 4

Hours: Drive-Thru: Mon-Thurs 8:00-4:30 Fri 8:00-5

Credit Union Profile Summary

UPPER CUMBERLAND is a FCU Credit Union. With a total of 8,967 members [1], this institution manages approximately $130,964,546 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.16% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 31.18% [1].

Financial Snapshot

Total Assets [1]
$130,964,546

Total economic resources.

Total Loans [1]
$89,888,113

Total value of outstanding loans.

Total Deposits [1]
$116,024,719

Total funds deposited by members.

Members [1]
8,967

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.16%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.64%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
77.47%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 9.27%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 31.18%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 5.33%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

627 Livingston Rd

Crossville, TN, 38555
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by UPPER CUMBERLAND (Charter #832).

Main Office

627 Livingston Road Main Office

Type: Corporate Office

627 Livingston Rd

Crossville, TN 38555

Phone: (931) 484-9433

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Clarkrange

Clarkrange Branch

Type: Branch Office

6829 S York Hwy

Clarkrange, TN 38553

Phone: (931) 863-9433

Services: Member Services, ATM, Drive-Thru

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Cookeville

Putnam County Branch

Type: Branch Office

228 E Broad St Ste 110

Cookeville, TN 38501

Phone: (931) 484-9433

Services: Member Services

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Crossville

South Branch

Type: Branch Office

9 Southbend Dr

Crossville, TN 38555

Phone: (931) 484-9433

Services: Member Services, ATM, Drive-Thru

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