Upper Cumberland

Overview / Commentary

www.ucfcu.org

931-484-9433

627 Livingston Rd
Crossville, TN 38555

Upper Cumberland is headquartered in Crossville and is the 42^nd largest credit union in the state of Tennessee. It is also the 1,935^th largest credit union in the nation. It was established in 1935 and as of June of 2019, it had grown to 31 employees and 7,596 members at 4 locations. Upper Cumberland's savings rates are 44% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Bledsoe, Cumberland or Fentress, Putnam, or White Counties.
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Health

B+

Data as of Q2 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Upper Cumberland has a relatively low asset base.

Health Grade Components

Overall
NCUA #	832
Year Chartered	1935
Employees	31
Primary Regulator

Profit Margin
Return on Assets - YTD	1%
Return on Equity - YTD	10.48%
Annual Interest Income	$1.6MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$73.5MM$67.9MM
Loans	Q2 2019vs Q2 2018	$50.0MM$44.6MM
Deposits	Q2 2019vs Q2 2018	$66.2MM$61.3MM
Equity Capital	Q2 2019vs Q2 2018	$7.1MM$6.3MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$284.00K$173.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$116.00K$173.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Upper Cumberland Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$100	$10k	Christmas Club
0.85%^*	$100k^*	-	IRA Accumulation Account
OTHER TIERS: 0.10% → $5 - $25k \| 0.20% → $25k - $50k \| 0.40% → $50k - $75k \| 0.60% → $75k - $100k
0.75%^*	$50k^*	-	Regular Shares
OTHER TIERS: 0.25% → $1k - $5k \| 0.35% → $5k - $10k \| 0.55% → $10k - $25k \| 0.65% → $25k - $50k
0.75%^*	$50k^*	-	Wish Account Savings
OTHER TIERS: 0.25% → $1k - $5k \| 0.35% → $5k - $10k \| 0.55% → $10k - $25k \| 0.65% → $25k - $50k

Upper Cumberland CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	-	-	36 Month Term Share Certificate
1.51%	-	-	24 Month Term Share Certificate
1.10%	-	-	12 Month Term Share Certificate
0.75%	-	-	6 Month Term Share Certificate

Upper Cumberland IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	-	-	36 Month Term IRA Certificate
1.51%	-	-	24 Month Term IRA Certificate
1.10%	-	-	12 Month Term IRA Certificate

Locations

Upper Cumberland Locations
Branch Office	6829 S York Hwy	Clarkrange, TN 38553
Branch Office	627 Livingston Rd	Crossville, TN 38555
Branch Office	9 Southbend Dr	Crossville, TN 38555
Branch Office	228 E Broad St Ste 110	Cookeville, TN 38501

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