Navy Federal Credit Union operates an ATM and loan-services access point in Point Loma inside the Naval Base Point Loma Exchange on the southern peninsula. The installation's on-base positioning provides active-duty personnel, reservists, and DoD civilians with deposit, withdrawal, and mortgage-inquiry access without leaving the secured perimeter, a convenience paralleled by the marine-coverage specialists at Douglas K Smith Marine Insurance on the waterfront nearby. Navy Federal's charter restricts membership to military service members, veterans, DoD employees, and their families, concentrating its $197-billion asset base on military-lifecycle lending products including VA-backed purchase and refinance mortgages. Service members transitioning from active duty to civilian careers layer credit-union lending with the investment advisory guidance available through Lightcap Financial Group in Point Loma to bridge the gap between military benefits and private-sector retirement planning. The location's highest-value function is originating VA home loans for submarine and surface-fleet personnel stationed at the adjacent naval facilities.