I've heard USAA has gone downhill these days.
At least I've heard a couple horror stories.
I use a credit union myself.
I use both a CU and USAA. I only keep a few investment accounts and my kids' savings accounts in USAA.
Their customer service people are generally helpful. When I call they usually have quick concise answers.
But insurance wise, you almost have to treat them like a cable company. The rates creep up yearly for no reason. I do not have homeowner's insurance with them but I do have car insurance.