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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.


Cermark Co-op
University Apartments
Credit Union Group Photo



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.




Our Leadership Team

NCB's Board of Directors and Executive Council are responsible for guiding the core business decisions in order to provide value to our members.



Board of Directors


Martin Lowery 4

Martin Lowery

NCB Board Chair
Executive Vice President, External Affairs

National Rural Electric Cooperative Association

Arlington, VA

Roger Collins 3

Roger Collins

NCB Board Vice Chair
Chief Executive Officer and Chairman

Harps Foods

Springdale, AR

Wilson bebe 2

Wilson Beebe

Former President

Thanexus, Inc.

Wall Township, NJ

Steve Cunningham 2

Steven F. Cunningham*


S.F. Cunningham, LLC

Vienna, VA

Paul Hazen 3

Paul Hazen

Executive Director

U.S. Overseas
Cooperative Development Council, Inc. 

Washington, DC 

Janis Herschkowitz 2

Janis Herschkowitz

President and Chief
Executive Officer

PRL, Inc.

Cornwall, PA

Debra Huddleston 3

Debra Huddleston

Managing Director

Centennial Bank 

New York, NY

Patrick Jury

Patrick Jury

President & CEO

Iowa Credit Union League

 Des Moines, IA

Peter Larkin 2

Peter Larkin

President and Chief
Executive Officer

National Grocers Association

Arlington, VA

Andrea Levere 2

Andrea Levere


Prosperity Now (Formerly CFED)

Washington, DC

Michael Mercer 2

Michael Mercer*

President and Chief
Executive Officer

Georgia Credit Union

Duluth, GA

Christine Neal 2

Christine Neal

Former Chief Financial Officer

Unified Grocers

Commerce, CA

Mary Ann Rothman 2

Mary Ann Rothman

Executive Director

Council of New York
Cooperatives &

New York, NY

Maurice Smith 2

Maurice Smith 


Local Government Federal
Credit Union

Raleigh, NC

David Swanson 3

David P. Swanson


Dorsey & Whitney LLP

Minneapolis, MN

David Vliet

David B. Vliet

Chief Executive Officer

Tiburcio Vasquez Health
Center, Inc. 

Hayward, CA 


* National Cooperative Bank, N.A. Board Member



Executive Council


Chuck Snyder 2

Charles E. Snyder

President & CEO

Shaun Kelley 2

Shaun Kelley

Chief Credit Officer

Kathleen Luzik 4

Kathleen H. Luzik

Chief Operating Officer

Rick Reed 2

Richard L. Reed

Chief Financial Officer

Casey Fannon 2

Casey Fannon

Chief Lending Officer

Patrick Connealy 2

Patrick N. Connealy

Chief Customer Advocacy Officer 


Thomas Klump

Chief Information Officer

Michele Fantt Harris 2

Fantt Harris

Executive Vice President, Human Resources

Michele Fantt Harris 2

Jeff Whitlatch

Executive Vice President

Chris Goettke 2

Chris Goettke

Ohio Co-President

Chad Oppenheimer 4

Chad Oppenheimer

General Counsel