Membership scale Arsenal Credit Union serves 32,000 members with a not-for-profit model that shares earnings via better rates and lower fees, indicating a customer-centric proposition and potential for upsell of enhanced financial products and education programs to a growing member base.

Community reach Local footprint across St. Louis area and selective Illinois counties, plus a broad CO-OP network and nationwide ATM access, suggesting sales potential for regional SMB financial services, merchant services, and digital banking enhancements to support local businesses and cross-border members.

SMB opportunity Existing focus on individuals and small businesses, with past fintech partnerships (Payscape) to streamline payments; potential to expand with merchant services, payroll partnerships, and Go Green/eco-loan offerings to attract more business clients.

Tech footprint Tech stack includes WordPress, cloud services, Google Cloud, and modern banking capabilities like online banking, mobile, and deposits; opportunity to propose modern core integration, data analytics, and security solutions to improve member experience and operational efficiency.

Growth signals Revenue in the mid-range and a stable employee base position Arsenal for scalable tech-driven enhancements, cross-sell of savings programs, youth benefits, and education resources; ideal targets for SaaS adoption, CRM, and marketing automation to drive member engagement.