ALTHOUGH IT HAS $4 billion of assets and 2.1 million customer accounts, USAA Federal Savings Bank keeps such a low profile it could be called the Stealth Bank.

The banking subsidiary of the San Antonio-based insurance and financial services concern maintains only a single branch. USAA built its banking franchise upon the loyalty of its more than 2.4 million regular and associate members, primarily active-duty or retired U.S. military officers and their families. As an association, USAA distributes profits to regular members in the form of insurance policy dividends and other allocations.

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