credit union · NCUA 832 · TN
How big is UPPER CUMBERLAND?
UPPER CUMBERLAND (TN, NCUA charter 832) reported total assets of $140.5M, 9,569 members and a net worth ratio of 9.92% in its Call Report for 2026Q2. That ranks 1548 of 4,299 federally insured credit unions by assets, 789 of 1,061 among credit unions with $100m-$500m in assets, 36 of 125 credit unions in tennessee.
What stands out
UPPER CUMBERLAND (TN, NCUA charter 832) reported total assets of $140.5M, 9,569 members and a net worth ratio of 9.92% in its Call Report for 2026Q2. That ranks 1548 of 4,299 federally insured credit unions by assets, 789 of 1,061 among credit unions with $100m-$500m in assets, 36 of 125 credit unions in tennessee. Against its size class: net worth ratio 9.92%, below the peer median of 11.65%; loan-to-share ratio 87.18%, above the peer median of 73.15%; return on assets 1.19%, above the peer median of 0.74%. At 9.92% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $140.5M | $198.1M | $54.7M | $68.3M | record → |
| Shares and deposits | $125.7M | $172.3M | $48.3M | $58.3M | record → |
| Loans outstanding | $109.6M | $125.2M | $29.4M | $34.4M | record → |
| Net income (year to date) | $834.9k | $766.3k | $207.8k | $222.2k | record → |
| Net worth | $13.5M | $24.5M | $7.4M | $9.0M | record → |
| Net worth ratio | 9.92% | 11.65% | 13.85% | 12.65% | record → |
| Loan-to-share ratio | 87.18% | 73.15% | 70.17% | 68.70% | computed |
| Return on assets | 1.19% | 0.74% | 0.76% | 0.71% | computed |
| Members | 9,569 | 13,230 | 4,083 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $140.5M | $125.7M | $109.6M | $834.9k | 9.92% | 9,569 | 1548 |
| 2026Q1 | $138.1M | $122.8M | $105.7M | $255.0k | 9.66% | 9,373 | 1565 |
| 2025Q4 | $133.2M | $118.4M | $103.5M | $882.0k | 9.63% | 9,259 | 1583 |
| 2025Q3 | $133.4M | $118.7M | $98.9M | $1.4M | 10.16% | 9,141 | 1588 |
| 2025Q2 | $131.0M | $116.0M | $89.9M | $1.0M | 10.16% | 8,967 | 1600 |
| 2025Q1 | $129.2M | $115.8M | $82.9M | $252.6k | 9.75% | 8,792 | 1610 |
| 2024Q4 | $124.1M | $111.2M | $77.4M | $850.2k | 9.74% | 8,697 | 1630 |
| 2024Q3 | $121.6M | $108.8M | $71.4M | $615.9k | 9.71% | 8,595 | 1644 |
| 2024Q2 | $119.9M | $107.1M | $68.5M | $418.4k | 9.62% | 8,513 | 1669 |
| 2024Q1 | $118.8M | $106.5M | $68.5M | $206.4k | 9.48% | 8,452 | 1688 |
| 2023Q4 | $116.1M | $103.9M | $68.3M | $1.1M | 9.43% | 8,422 | 1699 |
| 2023Q3 | $117.9M | $105.9M | $69.3M | $744.5k | 9.01% | 8,441 | 1680 |
| 2023Q2 | $117.7M | $106.0M | $68.8M | $464.3k | 8.79% | 8,454 | 1683 |
| 2023Q1 | $118.3M | $107.0M | $68.2M | $217.8k | 8.55% | 8,366 | 1691 |
| 2022Q4 | $118.6M | $105.8M | $67.4M | $1.0M | 8.44% | 8,391 | 1680 |
| 2022Q3 | $119.4M | $109.8M | $69.5M | $630.1k | 8.26% | 8,313 | 1680 |
| 2022Q2 | $116.0M | $106.0M | $65.7M | $472.7k | 8.35% | 8,319 | 1702 |
| 2022Q1 | $114.2M | $104.6M | $63.6M | $222.2k | 8.36% | 8,318 | 1717 |
| 2021Q4 | $109.0M | $98.3M | $65.3M | $922.4k | 8.37% | 8,262 | 1746 |
| 2021Q3 | $107.0M | $97.5M | $64.2M | $770.7k | 8.47% | 8,256 | 1755 |
| 2021Q2 | $103.7M | $94.6M | $62.1M | $467.0k | 8.52% | 8,158 | 1770 |
| 2021Q1 | $103.0M | $94.2M | $59.9M | $232.5k | 8.63% | 8,046 | 1777 |
| 2020Q4 | $96.6M | $85.4M | $59.4M | $605.2k | 8.98% | 7,949 | 1785 |
| 2020Q3 | $90.6M | $82.2M | $54.8M | $524.2k | 9.48% | 7,878 | 1820 |
| 2020Q2 | $87.2M | $79.0M | $52.3M | $366.5k | 9.76% | 7,750 | 1851 |
| 2020Q1 | $78.0M | $70.2M | $52.2M | $182.5k | 9.96% | 7,696 | 1902 |
| 2019Q4 | $74.7M | $67.0M | $52.2M | $753.8k | 9.83% | 7,642 | 1922 |
| 2019Q3 | $74.8M | $67.2M | $50.9M | $590.4k | 9.74% | 7,604 | 1912 |
| 2019Q2 | $73.5M | $66.2M | $50.0M | $370.1k | 9.58% | 7,596 | 1935 |
| 2019Q1 | $74.6M | $67.5M | $49.0M | $156.1k | 9.46% | 7,554 | 1925 |
| 2018Q4 | $70.8M | $63.5M | $48.3M | $728.2k | 9.53% | 7,499 | 1952 |
| 2018Q3 | $70.5M | $63.8M | $46.4M | $513.0k | 9.46% | 7,456 | 1962 |
| 2018Q2 | $67.9M | $61.3M | $44.6M | $340.1k | 9.51% | 7,432 | 2017 |
| 2018Q1 | $66.0M | $59.8M | $43.1M | $159.2k | 9.49% | 7,445 | 2044 |
| 2017Q4 | $63.7M | $57.6M | $43.1M | $710.5k | 9.43% | 7,496 | 2055 |
| 2017Q3 | $61.9M | $55.8M | $43.1M | $515.5k | 9.32% | 7,500 | 2093 |
| 2017Q2 | $60.7M | $54.0M | $43.1M | $340.9k | 9.18% | 7,513 | 2128 |
| 2017Q1 | $60.8M | $55.2M | $42.5M | $148.8k | 9.03% | 7,488 | 2136 |
| 2016Q4 | $58.3M | $52.9M | $42.8M | $606.9k | 8.97% | 7,443 | 2151 |
| 2016Q3 | $58.0M | $52.6M | $41.8M | $439.9k | 8.86% | 7,395 | 2158 |
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