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National Cooperative Bank Na

IDRSSD: 99376
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q3QoQ -5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #99376 2024-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ -9
79
Sub-score

Liquidity is stable: brokered 1.0%, loans/deposits 97.4%, cash 6.9% of assets.

Cash / Assets
6.94%
Loans / Deposits
97.40%
Brokered %
1.03%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.03%
No watch items at this period.

Capitalization

StrongQoQ -10
83
Sub-score

Capital position is strong: Tier 1 RBC 12.47%, CET1 12.47%, leverage 10.60%.

Tier 1 RBC
12.47%
CET1
12.47%
Leverage
10.60%
No watch items at this period.

Asset Quality

StrongQoQ -1
82
Sub-score

Asset quality is strong: Adjusted NPL 1.43%, Texas Ratio 10.3%, NCO YTD 0.30%.

Adjusted NPL
1.43%
Govt-guarantees stripped
Texas Ratio
10.3%
NCO YTD
0.30%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
0.95%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -7
25
Sub-score

Reserves are weak: ALLL 0.81% of loans, coverage 57.2%, true coverage 56.8%.

ALLL / Loans
0.81%
Coverage
57.2%
True Loss Coverage
56.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 10:28:39 UTC