Mid Oregon Credit Union 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.

Mid Oregon's CEO says the credit union uses Zest AI to make about 70% of its loan decisions automatically, with the remaining applications sent to human underwriters. It also uses Eltropy's conversational AI voice tool with members, and has deliberately restricted staff use of general tools like ChatGPT.

• How Mid Oregon automates 70% of loan decisions | 4/2 creditunionaiguy.com · April 2, 2026 · web search
  “Today, Zest AI is decisioning about 70% of Mid Oregon's loan requests on a fully automated basis. The remaining 30% still go to human underwriters”
• How Mid Oregon automates 70% of loan decisions | 4/2 creditunionaiguy.com · April 2, 2026 · web search
  “Kevin Cole, CEO of Mid Oregon Credit Union, says they deployed Zest AI to handle the majority of its loan decisioning.”
• How Mid Oregon automates 70% of loan decisions | 4/2 creditunionaiguy.com · April 2, 2026 · web search
  “Beyond underwriting, Mid Oregon is using Eltropy Voice+ as one of its first conversational intelligence tools to serve members.”

Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, 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.