National Consumer Cooperative Bank 10-K 2005 FY Annual report

Exhibit 24.27

POWER OF ATTORNEY

Know all men by these presents:

     That I Roger Collins, of 918 South Gutensohn, Springfield, Arkansas 72762 as a member of the Board of Directors of THE NATIONAL CONSUMER COOPERATIVE BANK, do hereby make, constitute and appoint as my true lawful attorney in fact Richard L. Reed or Louise M. Grant for me and in my name, place and stead to sign any and all of the following and amendments thereto executed on behalf of THE NATIONAL CONSUMER COOPERATIVE BANK and filed with the Securities and Exchange Commission, as follows:

Annual Reports on Form 10-K for the NATIONAL CONSUMER COOPERATIVE BANK.

     IN WITNESS WHEREOF, I have hereunto set my hand this 23rd day of February 2006.

    /s/ Roger Collins                                                
Signature

State of Arkansas                                                                                                                             SS:

County of Washington

On this 23rd day of February, 2006, before me personally appeared the above, to me known and known to me to be the person mentioned and described in and who executed the foregoing instrument and he duly acknowledged to me that he executed the same.

                                                               
Notary Public

My Commission expires: 8/10/08