Credit unions · Delaware · Q2 2026
Del-One FCU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $983M |
| Total loans & leases | $721M |
| Total shares & deposits | $858M |
| Members | 106,500 |
| Net worth | $106M |
| Net worth / assets | 10.79% |
| Loans / assets | 73.35% |
| Return on assets (annualized) | 0.62% |
| Loan growth (YoY) | 18.30% |
| Member growth (YoY) | 19.08% |
| Delinquency, all loans (60+ days) | 0.63% |
| Charter | Federal charter |
| Asset band | $250M–$1B |
| NCUA peer group | over $500M |
| Sponsor type | Government |
AI readiness
AI Score: 5 of 5 stars, Agents execute actions with human approval
Del-One runs an AI agent from Shastic, called Valeria, inside its MeridianLink lending system: it reads incoming indirect auto-loan packets from dealers, builds a funding checklist and flags problems, with a Del-One employee doing the final review and no credit decisions made by the agent. The credit union also uses voice and chat AI in its contact centre and a member-facing chatbot on its website
- Del-One uses AI to nearly double lending capacity without adding staff | Delaware LIVE News “The credit union has deployed an autonomous digital assistant named Valeria to review documents submitted by automobile dealerships through Del-One's indirect lending program.”
- Del-One uses AI to nearly double lending capacity without adding staff | Delaware LIVE News “Human oversight: The technology does not make credit or loan-approval decisions”
- Del-One Federal Credit Union Doubles Lending Capacity Inside MeridianLink — Without Adding Headcount “Valeria works inside Del-One's existing MeridianLink system, independently reading each dealer packet, building a funding checklist, and flagging missing or inconsistent details”
- Del-One Federal Credit Union Automates ⅔ of Member Inquiries “With interface.ai, Del-One automates 70% of inbound calls through Voice AI, supported by Chat AI.”
- Del-One Federal Credit Union Automates ⅔ of Member Inquiries “Seeking to provide 24/7 support for members, Del-One developed a bot to sit on top of Glia's live chat to create an autonomous, self-service experience.”