CU Explorer

Safe CU AI Score

Credit union in Folsom, CA · NCUA charter #68366 · State charter (federally insured)

Legal name: Safe

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$4.42B
Total loans & leases$3.15B
Total shares & deposits$3.94B
Members245,900
Net worth$478M
Net worth / assets10.82%
Loans / assets71.24%
Return on assets (annualized)0.97%
Loan growth (YoY)2.63%
Member growth (YoY)0.90%
Delinquency, all loans (60+ days)0.52%
CharterState charter (federally insured)
Asset band$1B–$5B
NCUA peer groupover $500M
Sponsor typeCommunity (inferred from the name)

AI readiness

AI Score: 3 of 5 stars, AI connected to internal credit-union data

An AI system works on the credit union's own data: a member-facing assistant answering from its accounts or knowledge base, AI analytics or personalisation on member data, machine-learning fraud detection on its transactions.

SAFE Credit Union's own website tells members they can use a virtual assistant named Olive for round-the-clock service, which is a member-facing AI assistant answering from the credit union's own information. Nothing public found shows AI making decisions inside lending, collections or other workflows.

  • Safe CU website loads glia.com safecu.org · 2026-09-22 · website scan
    “The site loads a script from glia.com (digital customer service with AI)”
  • Safe CU website safecu.org · 2026-09-22 · website scan
    “Connect with SAFE Credit Union 24/7 through our virtual assistant, Olive.”

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech mortgage lending, fintech P2P payments, fintech for communication / chat, other fintech, 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.

In the explorer: ten-year history for every metric, balance sheet and income statement drill-downs, percentile rankings against asset-size peers, leaders and board, branches, and growth opportunities.

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