top of page

InRoads Credit Union Goes Live on Scienaptic’s AI-Powered Credit Decisioning Platform

Initial tests indicate 30-50% more loan auto approvals and 20%+ increase in credit approvals

Incorporating AI into Strategic Roadmaps Of Credit Unions



Oct 23, 2022

Leading global AI-powered credit decision platform provider Scienaptic AI announced that InRoads Credit Union is now live on the company’s AI-powered platform. Integrating the AI platform with InRoads Credit Union’s loan origination system (LOS), MeridianLink Consumer, enables the credit union to make automated, smart loan decisions while enhancing credit access for members.

Founded in 1938 and headquartered in St. Helens, Ore., InRoads Credit Union has grown to support members across Columbia, Clatsop, Cowlitz, Multnomah, and Washington Counties. Implementing Scienaptic’s AI-powered platform enables InRoads to make smarter, faster credit decisions for its members while delivering the best value for lifelong relationships.

“At InRoads, we believe everyone thrives when we grow together,” said Robin Balza, Chief Lending Officer at InRoads Credit Union. “Deploying Scienaptic's AI platform makes it easier for us to implement member-centric loan decisions and confidently enhance credit access. Initial tests show impressive gains in automated loan decisions and approval rates across portfolios. Ultimately, the AI allows us to offer enhanced credit options to our members and improve their experience."

“We are excited that InRoads Credit Union is live on our platform and is using AI to streamline and support the credit needs of its members,” said Pankaj Jain, Cofounder & President of Scienaptic. “With access to enhanced credit decisioning, InRoads is assisting more current and prospective members, increasing approval rates and automation, all while building deeper relationships.”

About Scienaptic AI

Scienaptic AI’s mission is to increase credit availability across the globe by transforming the technology used in credit decisioning. Whether credit union, auto lender, bank, or fintech, Scienaptic's AI native credit decisioning platform enables lenders to constantly improve the quality and speed of their underwriting decisions, helping them reach a greater number of borrowers, including underbanked and underserved individuals, and say “yes” more often, without increasing risk while addressing all Regulatory aspects especially Fair lending and explainable adverse actions.

For more information, visit

About InRoads Credit Union

InRoads Credit Union ( is proud to be a not-for-profit, community-focused, member-owned financial cooperative that’s open to anyone who lives, works, attends school, volunteers, or worships in Columbia, Clatsop, Cowlitz, Multnomah, and Washington Counties. Membership is also available to those with immediate family who are existing InRoads members, including a spouse, child, stepchild, grandchild, parent, stepparent, grandparent, or sibling.

Media Contacts

Chandan Pal

Chief Marketing Officer

Scienaptic AI

More News
bottom of page