Upper Cumberland

Crossville, TN · 1 · Charter #832 · www.ucfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$133.2M
65th percentile
Members
9,259
63th percentile
Total loans
$103.5M
77th percentile
Total shares
$118.4M
67th percentile

Profitability

Return on assets
0.92%
43th percentile
Net interest margin
3.85%
61th percentile
Efficiency ratio
63.59%
48th percentile
Non-interest income ratio
21.36%
70th percentile

Capital & Risk

Net worth ratio
9.52%
17th percentile
Delinquency rate
0.26%
83th percentile
Net charge-off rate
0.08%
87th percentile
Loan-to-share
87.44%
82th percentile

Growth

Member growth YoY
6.46%
95th percentile
Asset growth YoY
7.37%
78th percentile
Loan growth YoY
33.74%
99th percentile
Share growth YoY
6.46%
74th percentile

Operations

Members / branch
2,315
30th percentile
Assets / member
$14,387
49th percentile
Field of membership penetration
4.87%
46th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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