...they actually are slowly becoming a foreign contractor hiring, civilian-run, give-ourselves-bonuses for-showing-up company. Originally founded almost a hundred years ago by military officers who couldn't get auto insurance, USAA labels itself as "member owned." The members were Americans who had an affiliation with the U.S. military.
Not so fast.
USAA, in the nineties started revamping its membership to include enlisted members, and then dependents after they left home. There's nothing wrong with that. But their insurance rates started to climb, as they started taking more risks, and added more infrastructure. More and more civilians, who had a loose, or in many cases, no affiliation with the military at all started occupying middle and upper management positions.
Civilians like bonuses
Nowadays, the average USAA employees get an 18-19% bonus every year, just for showing up, regardless of performance. Full time workers that used to be in the military started disappearing, and Indian contractors and civilians started filling up the main campus in San Antonio, and other places. There are now so many many Indians working for USAA that they've opened up industrial workplaces in India to outsource jobs. Executives are reaping even larger bonuses with these "savings."
American contractors are contacting me, telling me that the place is now infested with American corporate douchebags. Thousands of Indian contractors swarm the Starbucks locations at the San Antonio campus every day. Vice presidents and directors are developing a political culture of deceit where they try to pencil whip their reports to increase their bonuses, empires are built on projects that turn out to be million dollar disasters, and while the customer service is still good in their auto insurance business, their banking and mortgage business models are horrible.
The bottom line
USAA is no longer a military-friendly company. Officer after officer has gotten out out of the military with the latest drawdowns, applied for a job there, and gotten denied by civilians that have no affiliation with the military, The hiring individuals are mostly clueless female civilians who are actually afraid of military members.