Sep, 30, 2025 — UPPER CUMBERLAND FEDERAL CREDIT UNION is a federal credit union headquartered in CROSSVILLE, TN with 4 branch locations and about $133.39 million in total assets. Opened 91 years ago in 1935, UPPER CUMBERLAND FEDERAL CREDIT UNION has about 9,141 members and employs 39 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | UPPER CUMBERLAND FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 627 Livingston Rd CROSSVILLE, TN 38555 |
| Phone: | (931) 484-9433 |
| Fax: | (931) 707-9842 |
| Website: | https://www.ucfcu.org |
| Branches: | 4 branch locations |
| Members: | 9,141 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 832 |
|---|---|
| Membership Type: | Community - Rural District |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $133,388,124 |
| CEO/Manager: | Amy L Beasley |
| Chairperson: | Tony L Brock |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 12,505,632 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 35,964,848 |
| Unsecured Loans | 5,376,474 |
| Other Loans | 57,519,866 |
| TOTAL LOANS | 98,861,188 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -959,617 |
| Land And Building | 6,235,188 |
| Other Fixed Assets | 609,150 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,104,061 |
| All Other Assets | 39,607 |
| TOTAL ASSETS | 133,388,124 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 8,626 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,376,659 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 23,444,368 |
| Regular shares | 84,247,328 |
| All Other Shares & Deposits | 11,028,151 |
| TOTAL SHARES & DEPOSITS | 118,719,847 |
| TOTAL LIABILITIES | 120,105,132 |
| Regular Reserve | 0 |
| Other Reserves | 689,866 |
| Undivided Earnings | 12,593,126 |
| TOTAL EQUITY | 13,282,992 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 133,388,124 |
| INCOME & EXPENSE | |
| Loan Income | 4,471,509 |
| Investment Income | 846,604 |
| Other Income | 1,248,418 |
| Total Employee Compensation & Benefits | 1,143,957 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,447,920 |
| Non-operating Income & (Expense) | 25 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 274,931 |
| Cost of Funds | 1,580,179 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,352,999 |
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