Credit unions · New York · Q2 2026
High Point FCU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $430M |
| Total loans & leases | $233M |
| Total shares & deposits | $372M |
| Members | 22,730 |
| Net worth | $61.5M |
| Net worth / assets | 14.30% |
| Loans / assets | 54.25% |
| Return on assets (annualized) | 1.39% |
| Loan growth (YoY) | 14.22% |
| Member growth (YoY) | 9.98% |
| Delinquency, all loans (60+ days) | 0.67% |
| Charter | Federal charter |
| Asset band | $250M–$1B |
| NCUA peer group | $100M–$500M |
| Sponsor type | Community |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
High Point FCU partners with Upstart's AI lending marketplace to originate personal loans, meaning AI models shape the credit decisioning for those loans. No public evidence was found of staff AI copilots, member-facing AI assistants, or AI agents taking actions.
- High Point Federal Credit Union Selects Upstart for Personal Lending -November 29, 2023 at 09:10 am EST | MarketScreener “connecting millions of consumers to 100 banks and credit unions that leverage Upstart's AI models and cloud applications to deliver superior credit products”