Upper Cumberland

Upper Cumberland is headquartered in CROSSVILLE and is the 71^st largest credit union in the state of Tennessee. It is also the 3,066^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 12 employees and 4,904 members. Upper Cumberland's savings rates are 4X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics UPPER CUMBERLAND NCUA # 832 BankRate Report View Year Chartered 1935 Employees 12 Primary Regulator Assets and Liabilities Assets $27.52 million Loans $18.96 million Deposits $25.15 million Equity Capital $2.27 million Loan Loss Allowance $170,000 Unbacked Noncurrent Loans $12,000 Historic Data - December 2010 Assets $25.06 million Equity Capital $2.05 million Loan Loss Allowance $224,000 Unbacked Noncurrent Loans $11,000 Real Estate Owned $26,000 Profit Margin - Quarterly Net Interest Margin 6.47% Return on Assets 0.8% Return on Equity 9.72% Interest Income $1.38 million Non-Interest Income $487,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Upper Cumberland had $12,000 in non-current loans and owned real-estate with $2.44 million in equity and loan loss allowances on hand to cover it. This gives Upper Cumberland a Texas Ratio of 0.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Upper Cumberland decreased significantly from 1.63% as of December 31, 2010 to 0.49% as of December 31, 2011, resulting in a positive change of 69.80%.This indicates that the balance sheet and financial strength for Upper Cumberland has improved significantly in recent periods. Deposit Growth In the past year, Upper Cumberland has increased its total deposits by $2.2 million, resulting in 9.59% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Upper Cumberland has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Upper Cumberland has $27.52 million in assets with $2.44 million in equity, resulting in a capitalization level of 8.88%, which is average.

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