Community Growth Potential cross-sell opportunities with local schools and Baylor-connected members leveraging the recent Waco ISD partnership and the credit union’s heritage to offer education-focused saving plans, student loan programs, and campus affinity products.

Strategic Expansion Recently merged with Wacofcu; target approach to integrate and upsell digital banking, small business services, and loan products to newly combined member base while highlighting ownership and not-for-profit value.

Leadership Momentum New CEO Kevin Hood brings industry experience; align sales outreach around modernization of digital experiences, member-centric services, and competitive rates to attract both legacy and new members.

Digital Enablement Tech stack includes modern web and marketing tools (Squarespace, Facebook Pixel, RSS, analytics); leverage these for targeted digital campaigns, personalized offers, and improved onboarding to capture and convert prospects.

Community Partnerships Existing and potential partnerships with local institutions and organizations (Waco ISD, Baylor network); position as a community-first financial partner offering education and financial literacy programs that can drive account openings and loan activity.