WASHINGTON, DC

6 Apr 2026

The Defense Credit Union Council (DCUC) is proud to announce  Scienaptic AI has joined its Premier Circle Program.

Scienaptic AI offers compliant, AI-powered credit decisioning platform to credit unions nationwide. This platform aids credit unions in offering lending decisions with quicker turnarounds, streamlining operations, and expanding inclusive access to credit while continuing to meet rigorous regulatory and fair lending standards.

Credit unions serving military communities often operate in unique environments where members face frequent relocations, deployments, and other financial complexities. Forward thinking companies, like Scienaptic AI, help bridge the gaps and address challenges caused by military life. Scienaptic AI brings AI-powered credit decisioning that sees beyond traditional data gaps and enables credit unions to assess members on a fuller financial picture, to deliver fairer, faster lending decisions.

“Credit unions serving military and veteran communities operate with a deep sense of purpose while navigating some of the most complex lending environments,” said Patrick McElhenie, Chief Growth Officer of Scienaptic AI. “Through our collaboration with DCUC, we are bringing transparent, explainable, and responsible AI to help these institutions expand credit access, manage risk with confidence, and respond faster to member needs. This is enabled by our iCUE platform and its agentic AI capabilities, purpose-built for lending. It is an honor to support organizations that serve those who serve.”

DCUC represents credit unions that collectively serve more than 143 million members nationwide. Since its founding in 1963 to advocate for credit unions located on military installations, DCUC has grown to represent all credit unions dedicated to supporting their communities and members, including those who serve.

“Credit unions carry forward their financial cooperative missions every day, supporting communities across America across all demographics and generations, and many of the credit unions we represent carry a long history of serving the unique financial needs of those whose lives are shaped by deployment, relocation, and uncertainty,” says Anthony Hernandez, DCUC President/CEO, Ret. U.S. Air Force Colonel. “We’re happy to welcome Scienaptic AI as our third Premier Circle partner and appreciate their support for our credit unions.”

¹ “Partnership” or “collaboration” as referenced herein does not constitute any endorsement by DCUC of Scienaptic AI, its products, or services.

About Scienaptic AI

Scienaptic AI was founded in 2014, 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. Scienaptic's latest innovation, iCUE (Intelligent Credit Underwriting Experience), integrates large language models and agentic AI into the credit decisioning platform, combining predictive intelligence with conversational capability to put humans back at the center of lending.

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 17 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 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 as one of 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 Defense Credit Union Council

The Defense Credit Union Council is the trusted resource and industry champion representing the interests of credit unions by coordinating policy, procedures, legislative initiatives, and regulatory matters impacting the financial readiness, morale, and welfare, and delivery of quality financial products and services to over 143 million members. Organized in 1963 to advocate for credit unions on military bases, DCUC’s membership has expanded to include all who serve in communities across America. If you would like more information about this topic, please contact DCUC Communications Manager Haleigh Laverty at hlaverty@dcuc.org.