# UPPER CUMBERLAND
Crossville, TN · NCUA charter 832 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/upper-cumberland-832

Who the members are: federal charter, community charter, organized 1935, low-income designated. 9,373 members of 190,237 potential (4.9% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $138.1M |
| Members | 9,373 (6.6% YoY) |
| Full-time staff | 37 |
| Net worth | $12.9M |
| Net worth ratio | 9.4% (p19 of band) |
| ROA (annualized) | 0.74% (p53 of band) |
| Total delinquency | 0.08% (p6 of band) |
| Net charge-offs (annualized) | 0.19% (p32 of band) |
| Loans / shares | 86% (p83 of band) |
| Cash / assets | 15.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.95% (p67 of band) |
| Operating expense / assets | 4.17% (p67 of band) |
| Vehicles % of loans | 53% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 204% (p85 of band) |
| Vehicle delinquency | 0.10% (p13 of band) |
| Vehicle NCO | 0.47% (p47 of band) |
| Repossessed % of vehicle book | 0.02% (p68 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 3% |
| Average share balance | $6,717 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.5M |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 60% |
| Average loan balance | $17,252 |
| Loans granted, annualized | $47.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.5M outstanding purchased (11.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | thin capital |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 4 | thin capital, net worth falling, margin squeeze, delinquency rising |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | delinquency rising |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 0 |  | thin capital, delinquency rising |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 2 | net worth falling, 3rd-party paper>100% NW |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 2 | net worth falling | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-10-02 [Upper Cumberland Federal Credit Union breaking ground in Cookeville - Upper Cumberland Business Journal](https://news.google.com/rss/articles/CBMimwFBVV95cUxQZ21qQmRPSlNmUGQ4ZEFVR3ViOXRfUkhyZ0p6S015M0ljUkNMbGRGME14eEpNci05ZDdBZHRrNzdsbWFmdW1vOEpia050R1MxNU5XZm4wUmZrVFBQQWhELXllRVg4LUZzMUdtTDBvWTZMdUdGTVNSSXVGaWMwenpUNm93c2tmUG81OU00aURHY3F2NzdqM2xaZkNmWQ?oc=5) · Upper Cumberland Business Journal
- 2024-10-16 [Upper Cumberland Federal Credit Union - Herald-Citizen.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxQRnRzTlhZUWVrc2JFMmhFaFhDMTNxdlJJWWlHczZHQ0RBOHpHcnhZRElpODlGMlJDVHBHV1hTNUc3Mnh3bF90ZGdNeXppUDI2UGxRWWMwU2p6cEdqZDlPbHo0UVE5MnNFeUtJY0xuSTc2RVhXZUhXbnZxbGN0T1NOWS1vOXNmQmQzVWJ6Z3JidUhVcjViRXlyQ2lNTnpqOVdCQ2I1dEstXzM3V0RkV2ljRUdQVVc3X1o5Q0gtVTBsTGNZY2dZOHlGaGNB?oc=5) · Herald-Citizen.com
- 2018-02-05 ['Freedom Fighter Bandit' arrested in bank robberies for 'The Movement' - 11Alive.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxQc21IVGJzWnhjT0VlYUlseExIRjJfQ1ZMTWVYNXp5RV9GMzBBdGF3OXFlYi1kOTNfN3J4YUpJdlIwQXRURmdXTjh2bEpWMkF6dkZKRVRnN0k0U2YwYlBXWTRSNnRYQmlHcjFxTGxULTdtRmdTNmZhQVFQTEl3TC1EMEUzODlxanN4NGlQQjhwQURQWVVuVmZxMEgxbllnZ0dWYnltWEZqc1hzVlV2Q2pYa0RnRDFPWUs5RTRjb1FNTQ?oc=5) · 11Alive.com
- 2024-10-21 [Ascend Federal Credit Union opens Mcminnville branch - Upper Cumberland Business Journal](https://news.google.com/rss/articles/CBMihwFBVV95cUxOc3Y3emdTdzRlVXlnaTZQSmRta2gzV3lDaGVTazBpQzdZSmJLVkVkZGhjbFFuTlhGYmU5dGFwTTdmRUJSdmt6Z0xSWG9XNVV5SHVCdDA2UUJ3eWJhejBZLUdhRzh2a1dLRGg0ZHZXcXFlTGtxSnB1R2Q3b0dwTmZvNlZheTN6M2s?oc=5) · Upper Cumberland Business Journal
- 2018-01-19 [Update: Suspected female bank robber dubbed The Freedom Bandit arrested - Monroe Local News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPLVJWODBOOHozVWVNOFFpUHRGSVItS3V1UTlCVGExTkNnOTFwczBCd0sxMUZTek9DQkRfQWFLenczclp3N3FoZDMzSUJZV2ZpT2tCcVU2b1RqTEpOYnpKMTZ0amJYVnF6VkNXa1FFMVV0ZTJnQXE4ZDE2RmJCcjlTTEVVcjZERkxmbkgwQm9SZUxBWVpWUmFDUnNWbGR1aThoMFE?oc=5) · Monroe Local News
- 2018-02-08 [‘Freedom Fighter Bandit’ indicted by federal grand jury in Tennessee - AJC.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxQSEhObC1XNmgtdEQ2T0NFTXdiREJQQVhiYlQxMWFnQzI3MjViNmZxWWNOTVVreE9qa29CRHpxbjFNdkJMVkdmdUJ6bnhqZ0tkTWRfNGlRemtnVEYtV3hOV3BvNnZUUkoyaXFCVTQ2a0RYY2Y3NTF3b0g4SHJJWEdBc2c2TW5sdElDXzZjQWFGdGlFOHNoOHNod3Zfa3dDZjBQVmlrVFBZQ05tckxoTHNJWkhROVhxTExRRmd5Sw?oc=5) · AJC.com
- 2020-11-25 [Ascend contributes $14,515 to Komen Breast Cancer Foundation of Central Tennessee - Upper Cumberland Business Journal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxONUh6Smo1bUJvTjM3NWxKMktHbnhRU0dLZVM3bmVtWXdEbkZuWHZYbjk0X2NNQUFydUZpSElOZFhJS011UGFXdXZFZzdrVm8wZGI1UUVBNVhQejEya01oTnp2VG1idUJfMGdaMm4tUGt1NVBoMV9SSS10RVIwWHVFRFh3YzltY05ybHFXVUc0elc4d3JRam5RXzdZMXBZLThJLW9rLW1DNkxIR0E?oc=5) · Upper Cumberland Business Journal
- 2018-02-05 ["Freedom Fighter Bandit" caught after robbing Tennessee bank - AJC.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPOFBVbXQzcWxkdjBRcXprNnJLdy1pX1hOV0hCQ2pFeW40V0NZY0RnVV9CZ2JoMVJtSC0zZXYxNlFuSWdWdFlodmtRSUZ0X3VMUFBaa0ZnbWotWnRhZGh2aTJiWHhmdHQ2SjNUS2swby13cW9xV2hfU084M3p4QXlCU2lUTGhhVzFQSkdzSjhQLVM2RDZ4RnhpUFZmS1lJWGJsSllEdEhqRExtaEJYd0hOa3FBamU0cV8xTUhTQVlLMA?oc=5) · AJC.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=832 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/0.json (key "832", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=832
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide