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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q4QoQ 0

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

Quarterly Headline

2024-Q4

Bank #99376 2024-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.2% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.5% (regulatory soft-warning level 50%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.11%.

What changed this quarter

Compared to Q3 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ 0
79
Sub-score

Liquidity is stable: brokered 1.0%, loans/deposits 92.8%, cash 5.9% of assets.

Cash / Assets
5.93%
Loans / Deposits
92.85%
Brokered %
1.00%
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 +9
92
Sub-score

Capital position is strong: Tier 1 RBC 13.36%, CET1 13.36%, leverage 10.48%.

Tier 1 RBC
13.36%
CET1
13.36%
Leverage
10.48%
No watch items at this period.

Asset Quality

StableQoQ -6
77
Sub-score

Asset quality is stable: Adjusted NPL 1.82%, Texas Ratio 12.6%, NCO YTD 0.02%.

Adjusted NPL
1.82%
Govt-guarantees stripped
Texas Ratio
12.6%
NCO YTD
0.02%
30-89 PD
0.73%
Band 0.3% / 3.0%
90+ PD
1.11%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.11%.

Reserves

RiskQoQ -2
22
Sub-score

Reserves are weak: ALLL 0.89% of loans, coverage 49.5%, true coverage 49.2%.

ALLL / Loans
0.89%
Coverage
49.5%
True Loss Coverage
49.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.2% (Adjusted NPL + Performing Mods denominator).

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