UPPER CUMBERLAND
Federal • Crossville, Tennessee • Est. 1935
Quick Facts
- Charter Number
- #832
- Type
- Federal
- Established
- 1935
- Headquarters
- Crossville, Tennessee 38557
- Address
- PO Box 529
- Branches
- 4
- ATMs
- 4
- Members
- 9,259
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
9,259 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UPPER CUMBERLAND |
|---|---|
| Total Assets | $133.2M |
| Members | 9,259 |
| Loans Outstanding | $103.5M |
| Shares & Deposits | $118.4M |
| Net Worth | $12.7M |
| Net Worth Ratio | 9.63% |
| Loan-to-Share Ratio | 87.4% |
| Delinquency Rate | 0.26% |
| Net Income | +$1,231,934 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 4 ATMs
627 Livingston Road
Main Office627 Livingston Rd
Crossville, TN 38555
Clarkrange Branch
6829 S York Hwy
Clarkrange, TN 38553
South Branch
9 Southbend Dr
Crossville, TN 38555
Putnam County Branch
1515 Interstate Dr
Cookeville, TN 38501
Who Can Join UPPER CUMBERLAND?
Membership Type: Community
Membership eligibility for UPPER CUMBERLAND may vary. Contact the credit union directly to confirm qualification requirements.
Contact UPPER CUMBERLAND directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Tennessee
Browse all federally insured credit unions in Tennessee, ranked by assets, members, and financial health score.
View Tennessee RankingsFrequently Asked Questions
Yes. UPPER CUMBERLAND is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, UPPER CUMBERLAND has 9,259 members and a potential membership field of 190,237 people.
UPPER CUMBERLAND's net worth ratio is 9.63% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.6%, UPPER CUMBERLAND meets this threshold.
UPPER CUMBERLAND operates 4 branch locations and has access to 4 ATMs. The main office is located at 627 Livingston Rd, Crossville, TN 38555.
UPPER CUMBERLAND was established in 1935. It is a federal credit union chartered under charter number 832. The institution has been serving members for 91 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or UPPER CUMBERLAND. All financial data is for informational purposes only.