Michigan First CU AI Score

AI Score: 4 of 5 stars, AI embedded in workflows

AI makes or shapes decisions inside a business process: AI-driven loan decisioning or underwriting, AI in collections, document processing or onboarding, AI routing in the contact centre.

Michigan First Credit Union has selected Scienaptic AI's credit decisioning platform to modernize its lending and speed up decisions, which puts AI inside the loan underwriting process. The evidence comes from a single vendor announcement (carried by several outlets) that quotes the credit union's chief lending officer; no other AI use is publicly documented.

• Michigan First Credit Union Chooses Scienaptic AI to Unlock Smarter Lending finance.yahoo.com · Mon, 29 Jun 2026 · news
  “Michigan First Credit Union has selected its AI platform to modernize its lending operations, enhance decisioning speed, and responsibly expand access to credit”

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech mortgage lending, fintech secured lending, fintech unsecured lending, fintech P2P payments, online membership application, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.