Members Heritage Credit Union Taps Scienaptic AI to Power Frictionless, Inclusive Credit Decisions and Transform Lending

NEW YORK - EntSun -- Scienaptic AI, a global leader in AI-powered credit decisioning technology, today announced that Members Heritage Credit Union has selected its AI platform to improve credit decisioning, modernize lending operations, and expand fair access to credit for members across the region.

Since opening its doors in April 1960 as IBM (Lexington) Employees Federal Credit Union, Members Heritage Credit Union has grown into a member-owned, not-for-profit financial cooperative rooted in a "people helping people" philosophy. Today, the credit union serves more than 54,000 members across central Kentucky, delivering personal and business banking, lending solutions, financial education, and community support. Guided by a commitment to providing safe and convenient financial services, Members Heritage empowers its members through local decision-making, member governance, and a deep focus on long-term financial well-being.

"Our first responsibility is to our members, and that means making thoughtful, consistent decisions that will help them succeed financially," said Pat Ferry, President & CEO at Members Heritage Credit Union. "By implementing Scienaptic AI, we are enhancing our ability to see beyond traditional credit scores and identify opportunities that support our mission of accessible, fair lending, helping members achieve their financial goals."

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Patrick McElhenie, Chief Growth Officer at Scienaptic AI added, "Members Heritage Credit Union combines a rich history of service with a modern vision for member care. We are honored to provide the AI technology that will help them continue this legacy. By adopting our platform, Members Heritage is ensuring that their credit decisions are not only faster and smarter but also deeply aligned with the individual stories and potential of their members across Central Kentucky."

About Scienaptic AI

Founded in 2014, Scienaptic AI was 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.

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 15 strategic investors, underscoring Scienaptic's deep commitment to the core principle of "people helping people."

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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 among 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