Footprint Growth TDECU's Texas footprint and large membership present opportunities to deepen cross sell across banking, insurance, and small business services. The integrated Insurance Agency enables bundled offerings and employer partnerships in Houston.

Insurance Growth Award-winning workplace signals strong service capabilities that can be highlighted when engaging SMBs and corporate partners. There is potential to package banking and insurance services for businesses and offer employee benefits through the agency.

Leadership Partnerships Houston market leadership changes create a window to engage local employers and universities. Past partnerships with higher education suggest expansion through financial education programs and campus sponsorships.

Digital Transformation A modern tech stack supports digital onboarding and personalized experiences. Opportunity to offer digital marketing, analytics, and secure e sign solutions to scale member acquisition and product adoption.

Financial Health Stable assets and insured status underpin opportunities in treasury management, business lending, and corporate services for SMBs. Potential partnerships for payroll, merchant services, and cash management while emphasizing regulatory compliance support.