How StagePoint Federal Credit Union uses Zest AI
51%
“51% increase in loans”
As published on zest.ai. Checked by usedby on Oct 16, 2026.
What happened
The credit union uses Zest AI's automated underwriting to make instant loan decisions, including outside staffed hours for auto dealer partners, and to cover for a missing underwriter. It also uses the LuLu Pulse and LuLu Strategy lending intelligence tools to benchmark performance and analyze potential merger targets.
Summary written by usedby from the source page, in English. The figures are those of Zest AI and StagePoint Federal Credit Union, not ours.
- 23%“23% increase in automation”
- 0%“0% increase in delinquencies and charge-offs after merger”
- 35 basis points“Loan volume climbed significantly following the merger while delinquency held at just 35 basis points”
StagePoint deployed Zest AI's automated underwriting solution to fill immediate staffing gaps and enable around-the-clock decisioning, later adding LuLu Pulse and LuLu Strategy to support post-merger performance monitoring and future acquisition analysis.
Low delinquency rates have served as an important KPI for us for years, and we weren’t sure how our merger may impact them. By bringing in Zest AI as a partner, I’m proud to say that we saw no increase in delinquencies and charge-offs, even while the number of loans we were servicing grew exponentially.
What the story claims, and what we checked
What we compared with the page.
- The figure: 51%CheckedPrinted word for word on the page, near the name of StagePoint Federal Credit Union.
- The passage quoted aboveCheckedCopied word for word from the page, near the name of StagePoint Federal Credit Union.
- StagePoint Federal Credit Union uses Zest AICheckedConfirmed line.
- The result itselfNot checkedWe quote it; we did not measure it.
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