Credit unions · Michigan · Q2 2026
PFCU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $873M |
| Total loans & leases | $564M |
| Total shares & deposits | $770M |
| Members | 57,160 |
| Net worth | $98.6M |
| Net worth / assets | 11.29% |
| Loans / assets | 64.61% |
| Return on assets (annualized) | 1.16% |
| Loan growth (YoY) | 7.09% |
| Member growth (YoY) | 1.38% |
| Delinquency, all loans (60+ days) | 0.36% |
| Charter | State charter (federally insured) |
| Asset band | $250M–$1B |
| NCUA peer group | over $500M |
| Sponsor type | Government (inferred from the name) |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
PFCU has implemented Scienaptic's AI credit underwriting platform and is live with it, and has also selected the vendor's machine-learning fraud and anomaly detection for loan applications. Both uses put AI inside its lending decision process.
- PFCU Credit Union Goes Live with Scienaptic's AI Platform “PFCU Credit Union has implemented its AI-based underwriting platform and is now live”
- PFCU Credit Union selects Scienaptic AI to strengthen fraud detection at loan origination “With FraudShield, PFCU Credit Union is deploying a deeply integrated fraud detection and loan underwriting engine.”