Credit unions · Michigan · Q2 2026
WMCU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $455M |
| Total loans & leases | $206M |
| Total shares & deposits | $373M |
| Members | 29,050 |
| Net worth | $78.9M |
| Net worth / assets | 17.32% |
| Loans / assets | 45.19% |
| Return on assets (annualized) | 1.11% |
| Loan growth (YoY) | −7.22% |
| Member growth (YoY) | −6.65% |
| Delinquency, all loans (60+ days) | 0.92% |
| 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: 4 of 5 stars, AI embedded in workflows
Vendor announcements naming WMCU (Grand Rapids, MI, operator of the Bloom Credit Union and West Michigan Credit Union brands) say it selected Scienaptic AI to automate credit decisioning and to run machine-learning fraud and anomaly detection in account opening and loan underwriting. That places AI inside lending decision processes (level 3); nothing public shows AI agents taking actions in its sy
- WMCU Partners with Scienaptic AI to Advance Inclusive and Automated Lending “WMCU has selected its platform to automate credit decisioning, modernize lending, and responsibly expand credit access for its members.”
- WMCU Selects Scienaptic AI to Fortify Fraud Defenses and Enhance Loan Decisioning “With the help of the Scienaptic AI platform, WMCU aims to deploy a deeply integrated account opening and loan underwriting engine.”
- WMCU Selects Scienaptic AI to Fortify Fraud Defenses and Enhance Loan Decisioning “WMCU has selected its platform to enhance origination fraud and anomaly detection to tackle the challenges of identity theft and synthetic identity fraud.”