Case Study: 5Point Credit Union achieves 7% originations growth and $1.5M annual profit gain with Zest AI

Boosting Automation In Indirect Auto Lending with 5Point Credit Union

5Point Credit Union, a $830M Southeast Texas not‑for‑profit financial institution, needed to say yes to more auto loan applicants faster—especially across direct and indirect channels—without taking on extra risk or running afoul of fair‑lending requirements. They engaged Zest AI to replace a mostly manual process with an AI‑driven vehicle underwriting model that could be documented for compliance and deployed quickly.

Zest AI built and deployed an auto underwriting model (185 features) that integrated with 5Point’s LOS in one month; the model ranks delinquency risk more accurately, increases originations while preserving risk, and reduces approval disparities across gender and ethnicities. Measured impacts include an estimated 7% gain in originations, roughly $1.5M in annual profit lift, smoother LOS integration, and a net bump in yield with no added risk.

5Point Credit Union

Jennifer Webb

Senior Vice President Lending