Upper Cumberland
Upper Cumberland is a credit union based in Crossville, Tennessee, established in 1935, with $138 million in total assets serving 9,373 members. By Trust Grade it ranks 89th of 126 credit unions we track in Tennessee. Its net worth ratio of 9.7% trails most similarly sized credit unions (26th percentile), versus a Tennessee median of 13.9%. It was profitable over the most recent period, with a 0.74% return on assets. No consumer complaints against Upper Cumberland appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Upper Cumberland compares to Tennessee peers
How we graded Upper Cumberland
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.7% capital ratio)
- Profitable (ROA 0.74%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Upper Cumberland over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Upper Cumberland insured?
Yes. Upper Cumberland is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Upper Cumberland: frequently asked questions
Is Upper Cumberland a good credit union?
Upper Cumberland earns a Bankzia Trust Grade of B (87/100, "Strong"), based on a financial-strength score of 87/100 (it has no CFPB complaints on record). Well-capitalized (9.7% capital ratio); Profitable (ROA 0.74%).
Is Upper Cumberland NCUA-insured?
Yes. Upper Cumberland is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Upper Cumberland?
Upper Cumberland holds $138 million in total assets, ranking 89th of 126 credit unions we track in Tennessee. It serves 9,373 members.
Does Upper Cumberland have CFPB complaints?
No CFPB complaints against Upper Cumberland appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
