The difference between each term is -4, so we know that part of the general term is -4n. Now we need to adjust -4n so at u1 it is 5. Therefore -4+x=5 and we rearrange to see x is 9.
Therefore our general sequence is: [tex]\boxed{u_n=-4n+9}[/tex]
Now we can substitute easily into the second equation with the common difference of 4: [tex]u_n=u_1+(n-1)d \\ u_{21}=5+(21-1)*-4 = 5-80 \\ \boxed{u_{21}=-75}[/tex]