Case Study: InRoads Credit Union increases loan approvals and credit access with Scienaptic AI

How a MeridianLink user optimized credit decisioning with Scienaptic's platform

Inroads Credit Union, a community-focused financial institution, wanted to expand credit access to underserved members with limited credit history. Relying on traditional scoring methods, their process had multiple manual touchpoints that delayed decisions and excluded creditworthy applicants. They sought an AI-powered decisioning platform that could integrate with their existing MeridianLink system to automate approvals and leverage alternative data sources.

By implementing Scienaptic's AI platform, Inroads Credit Union automated its credit decisioning process. The solution seamlessly integrated with MeridianLink and used Scienaptic's proprietary models to analyze diverse data for personalized, explainable lending decisions. This allowed the credit union to safely lend deeper into its membership, resulting in a 30-50% increase in automated loan approvals and an over 20% rise in overall credit approvals.

InRoads Credit Union

Robin Balza

Chief Lending Officer