Cabrillo CU 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.

Cabrillo Credit Union announced in July 2025 that it joined the Upstart Referral Network, an AI lending marketplace, so personal loan applicants are screened against Cabrillo's credit policies and routed into a Cabrillo-branded application. That places AI inside its personal lending process. No public evidence was found of AI agents taking actions or of staff copilots.

• Cabrillo Credit Union Selects Upstart for Personal Lending finance.yahoo.com · Wed, 16 Jul 2025 · news
  “Cabrillo is growing its personal lending portfolio while also growing new member relationships through a fast, all-digital solution powered by AI.”
• Cabrillo Credit Union Selects Upstart for Personal Lending finance.yahoo.com · Wed, 16 Jul 2025 · news
  “qualified personal loan applicants on Upstart.com who meet Cabrillo's credit policies receive tailored offers as they seamlessly transition into a Cabrillo Credit Union-branded experience”
• Cabrillo Credit Union Selects Upstart for Personal Lending theglobeandmail.com · Tue, 15 Jul 2025 · news
  “has announced its partnership with Upstart (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, to offer personal loans to more consumers.”

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, online membership application, online loan application, online account opening, online loan payments, bill payment, 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.