A 3-Year Strategy To Turn Around Negative Growth

Capitol Credit Union revamped policies, processes, and procedures to counter negative loan and member growth and once again achieve stable financial footing.



capitol credit union
Data as of 03.31.16
  • HQ: Austin, TX
  • ASSETS: $124.2B
  • MEMBERS: 10,995
  • 12-MO SHARE GROWTH: -0.33%
  • 12-MO LOAN GROWTH: 38.60%
  • ROA: 0.51%

Pierre Cardenas became the chief executive officer of Capitol Credit Union ($124.2M, Austin, TX) in January 2015. At that time, many of the credit union’s key ratios were negative — including both loan and member growth, income growth, and return on assets.

In the nearly 20 months since, Cardenas has worked to reinvigorate the credit union, which serves everyone who lives, works, or worships in Travis County, TX, as well as a number of SEG partners.

Scroll through the slideshow to learn about the credit union’s strategy.


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