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This institution is no longer active

Operations ceased on June 20, 2009. CRA examination history below reflects the period it was active.

COOPERATIVE BANK

WILMINGTON, NC · Supervised by FDIC

Est. 1898FDIC #27,837RSSD: FDIC-27837
Part ofCOOP BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.49%

Institution Profile

FDIC BankFind

Address

201 Market Street, WILMINGTON, NC

County

New Hanover County

Established

January 1, 1898

Total Assets

$967M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2009

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2009Call Report / FDIC

Total Assets

$967M

Total Deposits

$768M

Net Loans

$819M

Net Income

$1M

ROA

0.49%

ROE

13.24%

Risk-Based Capital

6.06%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate9.57%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411574.78%9.57%
202310985.32%3.67%
202223384.55%3.86%
202129886.91%2.01%
202032085.63%1.56%
201919183.25%2.62%
201816984.62%3.55%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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