# How Altra Federal Credit Union uses Zest AI

As published on [zest.ai](https://www.zest.ai/customer-stories/altra-fcu). Captured by usedby on 2026-10-24.

- Company: [Altra Federal Credit Union](https://www.usedby.ai/companies/altra-federal-credit-union.md)
- Tool: [Zest AI](https://www.usedby.ai/tools/zest.md)
- Industry: [Banking & Mortgages](https://www.usedby.ai/companies/industry/banking-mortgages.md)

## The use case: how Altra Federal Credit Union deploys Zest AI

Altra uses Zest AI to build an AI-based underwriting model that automates credit decisioning for consumer loans. The model was trained on prior loan data and uses selected bureau variables to predict delinquencies.

Summary written by usedby from the source page, in English. The figures are those of Zest AI and Altra Federal Credit Union, not ours.

> Overall, Altra has increased its automated approvals by 2.5x, and their automated decisioning by 1.3x. Their personal loans portfolio particularly stands out, increasing automated approvals by 6.7x and automated decisioning by 1.8x.

- **2.5x**: “Overall, Altra has increased its automated approvals by 2.5x, and their automated decisioning by 1.3x.”
- **1.8x**: “Their personal loans portfolio particularly stands out, increasing automated approvals by 6.7x and automated decisioning by 1.8x.”

## Zest AI users in Banking & Mortgages

- [All In Credit Union](https://www.usedby.ai/companies/all-in-credit-union.md) — Confirmed
- [Clark County Credit Union](https://www.usedby.ai/companies/clark-county-credit-union.md) — Confirmed
- [Commonwealth Credit Union](https://www.usedby.ai/companies/commonwealth-credit-union.md) — Confirmed
- [Community Choice Credit Union](https://www.usedby.ai/companies/community-choice-credit-union.md) — Confirmed
- [Credit Union West](https://www.usedby.ai/companies/credit-union-west.md) — Confirmed
- [Desert Valleys FCU](https://www.usedby.ai/companies/desert-valleys-fcu.md) — Confirmed

## What usedby checked

We compared the story with its live page on 2026-10-24.

- Checked: the passage quoted above is copied word for word from the page, near the name of Altra Federal Credit Union.
- Checked: Altra Federal Credit Union uses Zest AI. Confirmed line. Latest check across sources: 2026-10-24.
- Not checked: the result itself. We quote it; we did not measure it.

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Source: https://www.usedby.ai/case-studies/altra-federal-credit-union-zest · How we check: https://www.usedby.ai/methodology