Credit unions · Virginia · Q2 2026
ABNB FCU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $914M |
| Total loans & leases | $724M |
| Total shares & deposits | $818M |
| Members | 75,910 |
| Net worth | $72.7M |
| Net worth / assets | 7.95% |
| Loans / assets | 79.24% |
| Return on assets (annualized) | 0.03% |
| Loan growth (YoY) | −4.65% |
| Member growth (YoY) | −0.16% |
| Delinquency, all loans (60+ days) | 0.61% |
| Charter | Federal charter |
| Asset band | $250M–$1B |
| NCUA peer group | over $500M |
| Sponsor type | Other / mixed sponsor |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
ABNB announced in August 2025 that it partners with Upstart, an AI lending marketplace, so that applicants screened by Upstart's AI models and matched to ABNB's credit criteria are routed into ABNB-branded personal loans. That places AI inside ABNB's lending process, but there is no public evidence of AI agents taking actions in its systems.
- ABNB Federal Credit Union Selects Upstart for Personal Loans “has announced its partnership with Upstart (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, to offer personal loans to more consumers.”
- ABNB Federal Credit Union Selects Upstart for Personal Loans “individuals who qualify through Upstart.com and align with the credit union's credit criteria are guided into a smooth, ABNB-branded experience”