UPPER CUMBERLAND

Charter #832 | TN

100M-500M (1077 CUs) Micro
25 100M-500M in TN

UPPER CUMBERLAND has 12 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 1.5% in tier
  • + Wallet Share Momentum: Top 2.2% in tier
  • + Organic Growth Engine: Top 3.4% in tier
  • + Organic Growth Leader: Top 4.2% in tier
  • + Relationship Depth Leader: Top 6.0% in tier
  • + ROA 0.58% above tier average
  • + Net Interest Margin 0.19% above tier average
  • + Strong member growth: 6.4% YoY
  • + Loan Growth Rate: Top 1.4% in tier
  • + Share Certificate Concentration (%): Top 2.9% in tier
  • + AMR Growth Rate: Top 4.3% in tier
  • + Member Growth Rate: Top 6.7% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 20.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 9,141
+6.4% YoY+1.9% QoQ
 -6.5K 15,628
-3.4% YoY
 21,139
+4.9% YoY
 33,089
+6.1% YoY
 Bottom 23.7% in tier
Assets $133.4M
+9.7% YoY+1.9% QoQ
 $-97.9M $231.3M
-0.0% YoY
 $362.5M
+9.5% YoY
 $547.7M
+7.8% YoY
 Bottom 21.8% in tier
Loans $98.9M
+38.4% YoY+10.0% QoQ
 $-48.9M $147.8M
-1.4% YoY
 $271.1M
+9.1% YoY
 $388.7M
+8.6% YoY
 34th in tier
Deposits $118.7M
+9.1% YoY+2.3% QoQ
 $-81.6M $200.3M
-0.0% YoY
 $303.0M
+8.7% YoY
 $464.6M
+9.3% YoY
 25th in tier
ROA 1.4%
+100.7% YoY-15.0% QoQ
 +0.6% 0.8%
+15.5% YoY
 0.8%
+4.1% YoY
 0.7%
+273.4% YoY
 Top 15.5% in tier
NIM 3.8%
+19.2% YoY+2.5% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.8%
+5.1% YoY
 3.7%
+5.0% YoY
 61st in tier
Efficiency Ratio 68.8%
-15.6% YoY-2.5% QoQ
 -8.5% 77.3%
-3.0% YoY
 75.4%
-1.8% YoY
 79.1%
-3.3% YoY
 Bottom 23.2% in tier
Delinquency Rate 0.2%
-9.9% YoY+32.6% QoQ
 -0.7 0.9%
+7.6% YoY
 1.1%
+8.5% YoY
 1.2%
-0.9% YoY
 Bottom 10.4% in tier
Loan To Share 83.3%
+26.9% YoY+7.5% QoQ
 +10.6% 72.7%
-1.5% YoY
 70.4%
-2.4% YoY
 68.0%
-1.7% YoY
 71st in tier
AMR $23,803
+13.5% YoY+3.7% QoQ
 $-561 $24,363
+2.9% YoY
 $18,470
+2.4% YoY
 $19,418
+1.3% YoY
 58th in tier
CD Concentration 2.8%
+3.3% YoY-9.3% QoQ
 -21.6% 24.4%
+4.2% YoY
 22.3%
+6.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 18.9%
+270.2% YoY+18.3% QoQ
 +4.9% 14.0%
-5.8% YoY
 6.9%
+1.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#29 of 627 • Top 1.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.36%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 6.35%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Wallet Share Momentum

growth
#61 of 1006 • Top 2.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 13.51%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Organic Growth Engine

growth
#64 of 603 • Top 3.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.35%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.36%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 18.91%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#57 of 430 • Top 4.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 6.35%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Relationship Depth Leader

growth
#166 of 1006 • Top 6.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 13.51%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (1)

Indirect Auto Dependency

risk
#333 of 525 • Bottom 20.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 9.71%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 18.91%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 6.35%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (11 metrics)

16
Loan Growth Rate
growth
Value: 38.44%
Peer Avg: 3.45%
#16 of 1077 Top 1.4% in 100M-500M tier
32
Share Certificate Concentration (%)
balance_sheet
Value: 2.84%
Peer Avg: 23.61%
#32 of 1077 Top 2.9% in 100M-500M tier
47
AMR Growth Rate
growth
Value: 13.51%
Peer Avg: 3.64%
#47 of 1077 Top 4.3% in 100M-500M tier
73
Member Growth Rate
growth
Value: 6.35%
Peer Avg: 0.72%
#73 of 1077 Top 6.7% in 100M-500M tier
113
Total Delinquency Rate (60+ days)
risk
Value: 0.20%
Peer Avg: 0.86%
#113 of 1077 Top 10.4% in 100M-500M tier
130
Asset Growth Rate
growth
Value: 9.71%
Peer Avg: 4.70%
#130 of 1077 Top 12.0% in 100M-500M tier
155
Net Charge-Off Rate
risk
Value: 0.09%
Peer Avg: 0.47%
#155 of 1077 Top 14.3% in 100M-500M tier
159
Deposit Growth Rate
growth
Value: 9.09%
Peer Avg: 4.69%
#159 of 1077 Top 14.7% in 100M-500M tier
167
Return on Assets (ROA)
profitability
Value: 1.36%
Peer Avg: 0.79%
#167 of 1077 Top 15.4% in 100M-500M tier
251
Efficiency Ratio
profitability
Value: 68.81%
Peer Avg: 77.28%
#251 of 1077 Top 23.2% in 100M-500M tier

Top Weaknesses (3 metrics)

940
Members Per Employee (MPE)
engagement
Value: 234.385
Peer Avg: 332.881
#940 of 1077 Bottom 12.8% in 100M-500M tier
842
Total Assets
balance_sheet
Value: $133.39M
Peer Avg: $231.30M
#842 of 1077 Bottom 21.9% in 100M-500M tier
822
Total Members
engagement
Value: 9,141
Peer Avg: 15,628
#822 of 1077 Bottom 23.8% in 100M-500M tier