Credit unions · Michigan · Q2 2026
Freestar Financial CU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $350M |
| Total loans & leases | $215M |
| Total shares & deposits | $312M |
| Members | 21,760 |
| Net worth | $33.7M |
| Net worth / assets | 9.63% |
| Loans / assets | 61.34% |
| Return on assets (annualized) | 0.45% |
| Loan growth (YoY) | 1.65% |
| Member growth (YoY) | −0.69% |
| Delinquency, all loans (60+ days) | 1.17% |
| Charter | State charter (federally insured) |
| Asset band | $250M–$1B |
| NCUA peer group | $100M–$500M |
| Sponsor type | Community (inferred from the name) |
AI readiness
AI Score: 3 of 5 stars, AI connected to internal credit-union data
A vendor announcement naming FreeStar Financial describes an AI company's psychographic models being applied to its prospect and member audiences to target deposit and mortgage marketing campaigns. That is AI analytics and personalisation on the credit union's own data, with no public evidence of AI making decisions inside a process or of agents taking actions.
- FreeStar Financial Credit Union generates $1.2 million in new deposits in 30 days with Psympl® and Experian® “Psympl, a financial services artificial intelligence (AI) company, and Experian, a global data and technology company, today shared results from their work with FreeStar Financial Credit Union.”
- FreeStar Financial Credit Union generates $1.2 million in new deposits in 30 days with Psympl® and Experian® “FreeStar Financial used Experian Marketing Attributes to identify and qualify an audience of 10,000 consumer prospects, then applied Psympl's psychographic Motivation Mindsets to tailor communications”
- FreeStar Financial Credit Union generates $1.2 million in new deposits in 30 days with Psympl® and Experian® “FreeStar Financial has since extended Psympl's Motivation Activation into lending, digital banking, and member communications.”