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NavyArmy Growth Strategies Featured in Strategy & Performance
Friday, October 10, 2014 6:55 AM

NavyArmy Community Credit Union, based in Corpus Christi, Texas, is being recognized for its ability to meet member needs and drive growth in the latest issue of Credit Union Strategy & Performance.

In a five-part feature, the quarterly publication explores the lending, marketing, operations, and leadership strategies that allow NavyArmy to serve members with a variety of needs. This includes members with low credit scores, cash preferences, and difficult-to-prove income.

"We work diligently to meet the needs of all our membership," says Ashley Smith, marketing director at NavyArmy. "Some of our members have distinct needs that require creative problem solving, and we’re honored to share some of our practices with Strategy & Performance and the credit union industry."

The loan review and underwriting strategies explored in Strategy & Performance demonstrate how the $2.1 billion institution maintains financial soundness in a portfolio that includes B, C, and D credit tiers. As of midyear, NavyArmy enjoys 8.4% annual loan growth and maintains an average member relationship of more than $27,500, which is notably greater than the $15,500 average for Texas credit unions. What's more, 34% of members hold an auto loan with NavyArmy versus the 21% state average and nearly 6% hold a first mortgage with NavyArmy versus less than 2% for all Texas credit unions.

Strategy & Performance also highlights how two charter changes—one from closed to community in 2003 and another from federal to state in 2011—and a “yes” culture have contributed to the credit union’s growth. Chartered in 1955 to serve employees of Corpus Christi Naval Air Station, today the credit union focuses on informing more than 1.7 million residents in its eight-county market that they don't have to be in the Navy or the Army to join its growing coalition of member-owners.

From its business model to its brand mission, NavyArmy breaks down cultural and financial barriers and is truly an example of the cooperative difference.


Credit Union Strategy & Performance is a quarterly publication from Callahan & Associates that helps credit unions improve their performance by offering data analysis and actionable industry case studies. To learn how you can join Callahan & Associates’ network, please visit