Credit unions · Virginia · Q2 2026
Apple FCU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $5.68B |
| Total loans & leases | $3.32B |
| Total shares & deposits | $4.75B |
| Members | 268,200 |
| Net worth | $621M |
| Net worth / assets | 10.93% |
| Loans / assets | 58.49% |
| Return on assets (annualized) | 1.40% |
| Loan growth (YoY) | −0.23% |
| Member growth (YoY) | −0.31% |
| Delinquency, all loans (60+ days) | 0.56% |
| Charter | Federal charter |
| Asset band | > $5B |
| NCUA peer group | over $500M |
| Sponsor type | Educational |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
Apple FCU says it uses machine learning to review loan applicants, and its CIO has named Zest AI as the tool used alongside traditional credit scoring, so AI shapes lending decisions. The credit union also runs a member-facing virtual assistant (Ava) and uses machine learning against fraud and cyber threats.
- Slowly bot surely “Apple FCU uses a tool called Zest AI that provides more information on loan seekers than the traditional FICO credit scoring model”
- Apple FCU: AI for Enhanced Security and Member Experience “we are using machine learning to review information about potential loan seekers”
- Apple FCU: AI for Enhanced Security and Member Experience “Apple will unveil a new virtual chatbot to help members online. Her name is Ava (the Apple Virtual Assistant)”
- The Future of Technology at Apple FCU | Apple FCU “Apple Federal Credit Union uses advanced technology, including AI and machine-learning, to spot and stop cyber threats”
- Apple Federal Credit Union chooses Talkdesk Contact Center Solution - Press Releases | Talkdesk “Omnichannel and artificial intelligence (AI)-infused, the Talkdesk platform is integrated into Apple's Jack Henry Symitar core”