Case Study: Trius Federal Credit Union achieves 42% reduction in delinquencies and 20% loan automation with Zest AI

Pioneering AI technology for small credit unions

Trius Federal Credit Union (Trius FCU), a $130M credit union serving 16,000 members, needed faster, more accurate lending decisions to compete with larger institutions and reduce rising delinquencies. Trius had no prior loan automation and sought a partner that could integrate with its LOS, Origence — they selected Zest AI’s AI-powered automated underwriting and GenAI tools to modernize decisioning.

Zest AI integrated with Trius FCU in about three months and deployed its AI underwriting solution (including the LuLu GenAI capability), enabling same‑day decisions and automated workflows. As a result, Zest AI helped Trius automate 20% of consumer lending decisions, cut delinquency from 1.72% to 1.00% (about a 42% decrease), and increase automation and operational capacity so the credit union can serve more members without adding staff.

Trius FCU

Amy Schade

SVP of Lending