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Credit unions · Michigan · Q2 2026

ORSA CU AI Score

Credit union in Plymouth, MI · NCUA charter #68631 · State charter (federally insured)

Legal name: ORSA

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

Total assets$1.47B
Total loans & leases$1.28B
Total shares & deposits$1.30B
Members86,710
Net worth$145M
Net worth / assets9.81%
Loans / assets86.85%
Return on assets (annualized)0.04%
Loan growth (YoY)−2.88%
Member growth (YoY)3.64%
Delinquency, all loans (60+ days)1.52%
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.

Orsa Credit Union has adopted Appli's AI-powered financial calculators, a member-facing tool configured to the credit union's own mortgage, auto loan and savings products to give members personalized guidance. No public evidence shows AI making or shaping decisions inside lending, collections or service workflows.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech unsecured lending, 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.

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