Texans Credit Union 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.

Texans Credit Union announced a partnership with Upstart, whose AI models are used to originate personal loans, meaning AI shapes credit decisions inside its lending process. Separately, the credit union has deployed Microsoft 365 Copilot to staff as a general-purpose assistant.

• Texans Credit Union Selects Upstart for Personal Lending - Upstart News upstart.com · July 11, 2024 · web search
  “has announced their partnership with Upstart (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, to offer personal loans to consumers”
• Inside Texans Credit Union’s Bet on Cloud and AI at Scale | Insight insight.com · web search
  “host Jillian Viner sits down with Ian Beirnes, VP of IT Systems at Texans Credit Union, to explore how a traditional credit union is rethinking its entire technology foundation”
• q12026-insightearningspr sec.gov · web search
  “The company also implemented Microsoft 365 and E5 with Copilot to empower employees with modern productivity tools and leverage the power of generative AI within a secure ecosystem”

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech unsecured lending, fintech P2P payments, fintech for communication / chat, online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, 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.