iCUE agentic AI is live for credit unions
160+
Lenders running on Scienaptic
$160B+
Loans decisioned on the platform
500M+
Lending records training the models
100%
Clients aced their NCUA audit
One decision string covers
Pre-qual
|
Onboarding & KYC
|
Fraud & identity
|
Underwriting
|
Risk-based pricing
|
Perpetual offers
|
Cross-sell
|
Portfolio early warning
One decision string covers
One decision string covers
Pre-qual
|
Onboarding & KYC
|
Fraud & identity
|
Underwriting
|
Risk-based pricing
Perpetual offers
|
Cross-sell
|
Portfolio early warning
The integrated decisioning platform
A platform,
not a scorecard.
Most AI lending tools answer one question: how risky is this applicant. Scienaptic AI answers the whole question your lending team has to answer in real time: approve, decline, amount, term, price, counter-offer. In one API call. With fraud, identity, and fair-lending checks already done.
A score tells you who is risky. A decision tells you what to do. Members get an answer in seconds; your team gets an answer with the work shown.
Application from your LOS
JSON · 1 call
Scienaptic decisioning core - Integrated
Identity
Fraud
Bureau + alt data
Underwriting
Pricing
Fair-lending
agentic AI orchestration
Decision string - Returned in < 1s
Approve/Decline
Amount/Term
Price
Counter-offer
Adverse Action
Reasons
Audit trail
Fraud & identity
FraudShield catches what traditional systems miss.
Synthetic identities, bot attacks, bust-out, credit washing, first-party fraud. All flagged inside the same decisioning call, before the application ever touches underwriting.
93% of fraud caught that legacy systems let through
Underwriting
Decisions trained on 500M lending records.
Scorecards built on each client's own book, augmented by 3,000+ signals across bureau, banking, and alternative data. 12x more risk differentiation than bureau scores alone.
25%+ more approvals at the same risk threshold
LendSmart pricing
Deal-level vehicle pricing, in real time.
The pricing engine credit unions use to win at the dealership. Member-level, deal-level, risk-based pricing for direct and indirect auto, calibrated to each portfolio's yield targets.
4Front CU: $21M incremental vehicle loans
Perpetual offers
Right offer, right member, right moment.
Lifecycle pre-qualified offers that move with the member: card line increases, refinance, HELOC, auto. Continuously refreshed against current bureau and behavior data.
1.7M underserved applicants approved monthly
Early warning
See delinquency before it shows up.
Portfolio monitoring that flags risk shifts at the member, segment, and book level. Models retrain on your performance data so the warnings stay calibrated to your reality.
Continuous retraining on portfolio performance
Compliance engine
Exam-ready by design.
Disparate impact analysis on every model attribute. Member-friendly adverse action reasons. Full robustness and limitations documentation. The work an examiner asks for, ready on day one.
100% NCUA audit pass rate among clients
Input
Application from
your LOS
JSON · 1 call
Scienaptic decisioning core - Integrated
Identity
Fraud
Bureau + alt data
Underwriting
Pricing
Fair-lending
Agentic AI orchestration
Decision string - Returned in < 1s
Approve/Decline
Amount/Term
Price
Counter-offer
Adverse action reasons
Audit trail
The integrated decisioning platform
A platform,
not a scorecard.
Most AI lending tools answer one question: how risky is this applicant. Scienaptic AI answers the whole question your lending team has to answer in real time: approve, decline, amount, term, price, counter-offer. In one API call. With fraud, identity, and fair-lending checks already done.
A score tells you who is risky. A decision tells you what to do. Members get an answer in seconds; your team gets an answer with the work shown.
Application from your LOS
JSON · 1 call
Scienaptic decisioning core - Integrated
Identity
Fraud
Bureau + alt data
Underwriting
Pricing
Fair-lending
agentic AI orchestration
Decision string - Returned in < 1s
Approve/Decline
Amount/Term
Price
Counter-offer
Adverse Action
Reasons
Audit trail
Input
Application from
your LOS
JSON · 1 call
Scienaptic decisioning core - Integrated
Identity
Fraud
Bureau + alt data
Underwriting
Pricing
Fair-lending
Agentic AI orchestration
Decision string - Returned in < 1s
Approve/Decline
Amount/Term
Price
Counter-offer
Adverse action reasons
Audit trail
Input
Application from
your LOS
JSON · 1 call
Scienaptic decisioning core - Integrated
Identity
Fraud
Bureau + alt data
Underwriting
Pricing
Fair-lending
Agentic AI orchestration
Decision string - Returned in < 1s
Approve/Decline
Amount/Term
Price
Counter-offer
Adverse action reasons
Audit trail
Fraud & identity
FraudShield catches what traditional systems miss.
Synthetic identities, bot attacks, bust-out, credit washing, first-party fraud. All flagged inside the same decisioning call, before the application ever touches underwriting.
93% of fraud caught that legacy systems let through
Underwriting
Decisions trained
on 500M lending records.
Scorecards built on each client's own book, augmented by 3,000+ signals across bureau, banking, and alternative data. 12x more risk differentiation than bureau scores alone.
25%+ more approvals at the same risk threshold
Perpetual offers
Right offer, right member, right moment.
Lifecycle pre-qualified offers that move with the member: card line increases, refinance, HELOC, auto. Continuously refreshed against current bureau and behavior data.
1.7M underserved applicants approved monthly
LendSmart pricing
Deal-level vehicle pricing, in real time.
The pricing engine credit unions use to win at the dealership. Member-level, deal-level, risk-based pricing for direct and indirect auto, calibrated to each portfolio's yield targets.
4Front CU: $21M incremental vehicle loans
Early warning
See delinquency before it shows up.
Portfolio monitoring that flags risk shifts at the member, segment, and book level. Models retrain on your performance data so the warnings stay calibrated to your reality.
Continuous retraining on portfolio performance
Compliance engine
Exam-ready
by design.
Disparate impact analysis on every model attribute. Member-friendly adverse action reasons. Full robustness and limitations documentation. The work an examiner asks for, ready on day one.
100% NCUA audit pass rate among clients
Recognition
Independent recognition from the institutions
that count.
Deloitte Technology Fast 500
Two consecutive years on the list of the 500 fastest-growing technology companies in North America.
CB
Insights
AI 100
Selected by CB Insights as one of the 100 most promising AI companies, drawn from a pool of more than 9,000 firms analyzed.
Inc. 5000 Fastest-Growing
Named to the Inc. 5000 list of America's fastest-growing private companies on the strength of multi-year revenue growth.
Trusted by U.S. lenders
1
60
+
credit unions and lenders running on Scienaptic AI.
FourLeaf Federal Credit Union
United Nations FCU
MidFlorida Credit Union
Genisys Credit Union
SECU MD
Tower FCU
CoVantage Credit Union
Arkansas Federal Credit Union
Credit Union of Colorado
Altura Credit Union
Andrews FCU
L&N FCU
Communication Credit Union
ELGA Credit Union
Patriot Federal Credit Union
Rize Credit Union
Harvard Credit Union
Sidney Federal Credit Union
Guardian Credit Union
Wildfire Credit Union
4Front Credit Union
Financial Center First Credit Union
University of Hawaii Federal Credit Union
Greenwood Credit Union
NuMark Credit Union
Communitywide FCU
PFCU Credit Union
Team One Credit Union
University of Illinois Community CU
CU of Georgia
Meridian Trust FCU
CPM Federal Credit Union
Alliance Catholic Federal Credit Union
Resource One Credit Union
Partner Colorado Credit Union
+ 100s more
09:14:03
Member 4738 application received via Origence. Fraud signals clean.
Watch
09:14:05
Bureau pull complete. 7 alt-data signals returned. Risk band: tier 2.
Decide
09:14:06
Approved $24,500 / 60 mo / 7.49%. Counter-offer auto-prepared.
Act
09:14:18
Portfolio shift detected in indirect auto, Q3 vintage. Delinquency +12 bps over 30d.
Watch
09:14:19
Recalibration recommended for 2 segments. Ticket opened with credit team.
Act
With Scienaptic, we are pushing the envelope in terms of risk innovation, and approving $40M incremental loans while reducing losses by 47%
Chad Wilcox
Senior VP of Lending
Credit Union of Colorado
In their words
What lending
leaders say.
Lending leaders across very different credit unions. One pattern.
“
Before Scienaptic, we processed 35% of applications within an hour. Now that number sits at 62%.”
SVP Lending
Altura Credit Union
“
Our automated decision rate has jumped from 28% to 75% since adopting Scienaptic.”
Chief Lending Officer
On Tap Credit Union
“
We've seen a 30% increase in applications from Native Americans, driven by higher approval rates. The fear of rejection is no longer a barrier.”
CEO
Northern Hills Federal Credit Union
“
Scienaptic was hands down the most seamless, frictionless deployment I've seen from any vendor.”
CEO
ELGA Credit Union
“
Overriding Scienaptic decisions cost us. Once we trusted the model, the loss line moved.”
SVP Lending
Credit Union of Colorado
“
Scienaptic gave us the lift we needed without forcing our team to rebuild a single workflow. Approvals went up; the credit policy held.”
CEO
FourLeaf Federal Credit Union
Illustrative. Pricing reflects each credit union's risk and yield calibration.
Live deal stream
Bureau price
LendSmart
2024 Toyota RAV4
Tier 2 · 60mo · 22% LTV
8.99%
7.49%
2022 Honda Civic
Tier 1 · 72mo · 18% LTV
6.49%
5.79%
2025 Ford F-150
Tier 3 · 84mo · 35% LTV
11.49%
9.95%
2023 Subaru Outback
Tier 2 · 66mo · 20% LTV
8.25%
7.10%
1
00%
of Scienaptic clients have aced NCUA audits.
Disparate impact tested by design
Every model attribute goes through DI analysis before it touches a decision. Bias is caught at training, not after a complaint.
Member-grade adverse action reasons
Reasons that a member can understand and a regulator can defend. Generated automatically with every decline.
Full model documentation
Logic, robustness, limitations. The package an examiner asks for, generated and version-tracked with every model release.
Inclusion outcomes you can show
45% more approvals for protected classes. 1.7M underserved applicants approved every month, scored where traditional bureau models say no.
Compliance, built in
Move the needle on fair, equitable lending.
Diverse data, modern algorithms, and continuous fair-lending monitoring. The work the examiner asks for, ready on the morning of the audit.
1
00%
of Scienaptic clients have aced NCUA audits.
Disparate impact tested by design
Every model attribute goes through DI analysis before it touches a decision. Bias is caught at training, not after a complaint.
Member-grade adverse action reasons
Reasons that a member can understand and a regulator can defend. Generated automatically with every decline.
Full model documentation
Logic, robustness, limitations. The package an examiner asks for, generated and version-tracked with every model release.
Inclusion outcomes you can show
45% more approvals for protected classes. 1.7M underserved applicants approved every month, scored where traditional bureau models say no.
Knowledge hub
Research the credit-union industry actually reads.
Data-led papers from the Scienaptic research team. Free for credit unions.
Each download is tracked so we can share the next paper that fits your portfolio.
Featured research report
The 9x
Lending Gap
Twelve months of NCUA call reports across 4,374 credit unions. Where the growth gap comes from. Why it compounds. What it costs the institutions sitting it out. Cohort math your board can read in one sitting. Includes the four-portfolio cost-of-standing-still model and the methodology appendix.
Get the Scienaptic research drop. One brief email a month. Industry data, no fluff. Unsubscribe in one click.
MeridianLink
Origence
Temenos
Sync1
Symitar
Fiserv
Corelation
CRIF Select
+ many more