About NCB

National Cooperative Bank provides comprehensive banking products and services to cooperatives and other member-owned organizations throughout the country. What makes NCB unique is that the bank was created to address the financial needs of an underserved market niche- people who join together cooperatively to meet personal, social or business needs, especially in low-income communities.

Our Mission

NCB’s mission is to support and be an advocate for America’s cooperatives and their members, especially in low-income communities, by providing innovative financial and related services.

Our Customers

NCB’s customers are cooperatives, such as grocery wholesaler co-ops, food co-ops, purchasing co-ops, credit unions or housing co-ops. Other customers share in the spirit of cooperation, driven by democratic organizing principles. They may be Native American enterprises, which by their very nature, are member-run and member-owned. Others may be community health centers or nonprofit organizations driven entirely by community needs. What they all have in common is a single fundamental principle – they have joined together cooperatively to meet personal, social, and/or business needs.

In accordance with our congressional charter, NCB has a significant commitment to community revitalization. The employment of the cooperative model in the development of business and affordable housing is critical for low-income Americans, and strengthens communities in both urban and rural areas.

Our Impact

By dramatically leveraging our appropriation from Congress, we have succeeded in growing the original $184 million seed funding to more than $5.8 billion in specialized lending, investments, and technical assistance to underserved communities across the country.

Our Cooperative Heritage

Cooperatives are based on the values of self-help, self-responsibility, democracy and member-equity. In the tradition of our founders, cooperatives believe in conducting business in a responsible, ethical, and honest manner with the foremost commitment to improve the quality of life in the communities we serve.