CU Explorer

Bopti FCU AI Score

Credit union in San Pedro, CA · NCUA charter #10433 · Federal charter

Legal name: Bopti

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$63.3M
Total loans & leases$19.7M
Total shares & deposits$47.1M
Members4,135
Net worth$15.7M
Net worth / assets24.75%
Loans / assets31.07%
Return on assets (annualized)0.69%
Loan growth (YoY)−19.91%
Member growth (YoY)−2.45%
Delinquency, all loans (60+ days)1.52%
CharterFederal charter
Asset band$50M–$250M
NCUA peer group$50M–$100M
Sponsor typeGovernment

AI readiness

AI Score: 3 of 5 stars, AI connected to internal credit-union data

An AI system works on the credit union's own data: a member-facing assistant answering from its accounts or knowledge base, AI analytics or personalisation on member data, machine-learning fraud detection on its transactions.

Bopti FCU's website loads a script from Posh, a conversational AI vendor, indicating a member-facing AI assistant that answers questions using the credit union's own information.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech mortgage lending, fintech secured lending, fintech unsecured lending, fintech P2P payments, online loan application, online loan payments, bill payment, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

In the explorer: ten-year history for every metric, balance sheet and income statement drill-downs, percentile rankings against asset-size peers, leaders and board, branches, and growth opportunities.

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