"At WMCU we believe our members deserve a trusted partner in their financial journey. We look for ways to help our members thrive financially, and in lending, that means looking beyond the surface," said Joe Heintskill, CEO of WMCU. "Implementing Scienaptic AI will enable us to honor our roots while modernizing our future. It will allow us to see the person behind the application and unlock their true creditworthiness."
Upholding the promise of "Once a member, always a member," the credit unions are dedicated to making banking uncomplicated and working collaboratively to ensure members' financial lives are "Simply Better."
"WMCU's commitment to improving their member's financial lives resonates deeply with our own mission," said Patrick McElhenie, Chief Growth Officer at Scienaptic AI. "We are proud to support an institution that values individuality and inclusivity. With the help of our AI platform, WMCU will ensure that their credit decisions are not only faster and more accurate but also deeply aligned with their culture of supporting the diverse needs of their branch communities."
About Scienaptic AI
Founded in 2014, Scienaptic AI was built with the mission to drive financial inclusion at scale through AI-driven credit decisioning. The platform encapsulates a decade of technological innovation, integrating more data into decision-making, leveraging advanced machine learning algorithms, and supplementing them with rigorous risk and fair lending monitoring processes. This enables financial institutions to reach more borrowers- including underbanked and underserved individuals and say "Yes" more often without increasing risk.
In September 2024, Scienaptic's Credit Union Service Organization (CUSO) received strategic equity investments from its clients, further strengthening its mission to elevate lending with AI-driven solutions for inclusive loan growth, automation, lifecycle management, and compliance. Today, the CUSO is backed by 15 strategic investors, underscoring Scienaptic's deep commitment to the core principle of "people helping people."
The Scienaptic AI platform plays a vital role in supporting over 150 lenders by enhancing lending accuracy and efficiency. Scienaptic's credit decisioning expertise spans financial institutions collectively managing $3.9 trillion in assets. The platform has powered decisions for over $150 billion in loans. It processes over 3 million credit decisions each month, evaluating loan applications worth more than $3 billion. This enables over 1.7 million underserved individuals every month to access credit opportunities that were previously out of reach. Driven by the growing demand for AI in lending, the company has expanded by over 2,000% in the past three years.
Scienaptic has been recognized among the most innovative and fastest-growing companies in financial technology. The company was named to the Deloitte Technology Fast 500 list for 2025 and was included in the CB Insights Fintech 100 list of the most promising fintech companies shaping the future of financial services.
For more information, visit www.scienaptic.ai
About WMCU
WMCU, a Michigan credit union headquartered in Grand Rapids, Michigan operates both the Bloom Credit Union and West Michigan Credit Union brands. WMCU has provided financial services to West Michigan residents for over 70 years. Members of each credit union can do their banking at all eleven combined branches in Michigan. WMCU has assets of more than $450 million, employs 125 people and serves approximately 34,000 members.
For more information, visit wmcu.com
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Source: Scienaptic AI
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