Credit unions · California · Q2 2026
SkyOne Federal Credit Union AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $863M |
| Total loans & leases | $622M |
| Total shares & deposits | $732M |
| Members | 58,940 |
| Net worth | $66.2M |
| Net worth / assets | 7.67% |
| Loans / assets | 72.09% |
| Return on assets (annualized) | 0.23% |
| Loan growth (YoY) | −1.91% |
| Member growth (YoY) | −2.68% |
| Delinquency, all loans (60+ days) | 1.25% |
| Charter | Federal charter |
| Asset band | $250M–$1B |
| NCUA peer group | over $500M |
| Sponsor type | Service (finance, health, transport, utilities) |
AI readiness
AI Score: 5 of 5 stars, Agents execute actions with human approval
SkyOne uses Zest AI's machine-learning models for loan underwriting and auto-decisioning, and in 2024 its CFO said the credit union is integrating AI-driven, role-based digital agents into its own operations through a CUSO it co-founded with Digital Align. The digital-agent work is described only in the launch announcement, with no public detail on autonomy or oversight, so it is scored as agents
- Digital Align Inc. and SkyOne Federal Credit Union Launch Innovative CUSO to Future-Proof Credit Union Growth with AI Digital Agents “By integrating AI-driven, role-based digital agents, we are not only improving operational efficiency within our Credit Union”
- Digital Align Inc. and SkyOne Federal Credit Union Launch Innovative CUSO to Future-Proof Credit Union Growth with AI Digital Agents “the launch of the Digital Agents Service Organization (DASO AI) in collaboration with SkyOne Federal Credit Union”
- Zest AI Announces Partnership with SkyOne Federal Credit Union to Enable AI-Driven Lending “Zest AI today announced a partnership with SkyOne Federal Credit Union. The member-owned, not-for-profit financial institution will bring Zest's industry-leading AI lending software”
- Zest AI Announces Partnership with SkyOne Federal Credit Union to Enable AI-Driven Lending “Zest's model will allow more auto-decisioning, leading to great efficiency and member satisfaction”