BlastPoint's Banking Scorecard
NATIONAL COOPERATIVE BANK, N.A.
Community
Specialty: Commercial
OH
FDIC cert 32612
Hillsboro, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
NATIONAL COOPERATIVE BANK, N.A. faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 19% in Community
- - Delinquency Rate 1.67% above tier
- - Nonperforming Asset Ratio 1.28% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.1B
+8.7% YoY
+4.5% QoQ
|
+$2.7B |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$3.2B
+6.1% YoY
+0.6% QoQ
|
+$2.2B |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$3.5B
+9.4% YoY
+4.7% QoQ
|
+$2.3B |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
1.21%
+71.1% YoY
+17.0% QoQ
|
+0.04% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
3.43%
+13.1% YoY
+1.8% QoQ
|
-0.24% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
69.56%
-9.7% YoY
-2.5% QoQ
|
+6.93% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
2.29%
+26.0% YoY
+11.8% QoQ
|
+1.67% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
90.02%
-3.0% YoY
-3.9% QoQ
|
+6.96% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
14.48%
+1.5% YoY
+3.2% QoQ
|
-6.56% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
1.78%
+22.2% YoY
+7.5% QoQ
|
+1.28% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
14.45%
+8.2% YoY
+5.3% QoQ
|
+4.21% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
1.14%
+6.1% YoY
+37.3% QoQ
|
+0.40% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Strain
risk
#99 of 513 · Bottom 19% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.02%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Delinquency Rate
metric
Bottom 8%
in Community
Why this stands out
Current:
2.29%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.78%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Loans
Current: $3.2B · Tier avg: $975.5M
98
98th pctile
Total Deposits
Current: $3.5B · Tier avg: $1.2B
97
97th pctile
Total Assets
Current: $4.1B · Tier avg: $1.4B
89
89th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.74%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.45% · Tier avg: 10.24%
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
38
38th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.66%
35
35th pctile
Loan-to-Deposit Ratio
Current: 90.02% · Tier avg: 83.06%
28
28th pctile
Efficiency Ratio
Current: 69.56% · Tier avg: 62.63%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.48% · Tier avg: 21.05%
8
8th pctile
Delinquency Rate
Current: 2.29% · Tier avg: 0.63%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.78% · Tier avg: 0.50%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.78% · Tier avg: 0.50%
8
8th pctile
Delinquency Rate
Current: 2.29% · Tier avg: 0.63%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.48% · Tier avg: 21.05%
28
28th pctile
Efficiency Ratio
Current: 69.56% · Tier avg: 62.63%
35
35th pctile
Loan-to-Deposit Ratio
Current: 90.02% · Tier avg: 83.06%
38
38th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.66%
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.45% · Tier avg: 10.24%
89
89th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.74%
97
97th pctile
Total Assets
Current: $4.1B · Tier avg: $1.4B
98
98th pctile
Total Deposits
Current: $3.5B · Tier avg: $1.2B
98
98th pctile
Total Loans
Current: $3.2B · Tier avg: $975.5M