Credit unions · Washington · Q2 2026
BECU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $29.62B |
| Total loans & leases | $20.39B |
| Total shares & deposits | $25.92B |
| Members | 1,594,000 |
| Net worth | $3.73B |
| Net worth / assets | 12.57% |
| Loans / assets | 68.82% |
| Return on assets (annualized) | 0.58% |
| Loan growth (YoY) | 1.98% |
| Member growth (YoY) | 3.34% |
| Delinquency, all loans (60+ days) | 0.42% |
| Charter | State charter (federally insured) |
| Asset band | > $5B |
| NCUA peer group | over $500M |
| Sponsor type | Manufacturing (inferred from the name) |
AI readiness
AI Score: 3 of 5 stars, AI connected to internal credit-union data
BECU bought EarnUp's generative-AI unit, including its AI Advisor product, 13 staff and EarnUp's co-founder as head of AI strategy, and says it is building hyper-personalised tools for its members. The member-facing AI Advisor is described as a future launch, so the evidence supports AI capability being applied to BECU member data rather than AI already making decisions inside processes.
- Exclusive: BECU acquires EarnUp's generative AI unit “BECU has acquired EarnUp's AI Advisor product and related technology and team, the Seattle area credit union told American Banker.”
- BECU Acquires GenAI Capabilities and Team Members From EarnUp “bring more personalized tools and real-time advice to our employees and members, including the future launch of an AI Advisor”
- Exclusive: BECU acquires EarnUp's generative AI unit “BECU also aims to deploy generative AI internally for employees and externally for members in other ways.”