# How Trius Federal Credit Union uses Zest AI

**20%**: “automated 20% of all consumer lending decisions so far”

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

- Company: [Trius Federal Credit Union](https://www.usedby.ai/companies/trius-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)
- Teams: Lending, Underwriting

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

Trius uses Zest AI's automated underwriting, integrated with its Origence loan origination system, to auto-decision consumer loan applications and feed AI insights into its underwriting team's decisions. It is also adopting the LuLu generative AI tool for industry and compliance knowledge.

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

> In the 14 months since partnering with Zest AI, Trius FCU has automated 20% of all consumer lending decisions so far, bringing speed and precision to their process.

- **1.72% to 1%**: “decreasing Trius' delinquency rate from 1.72% to 1%”
- **three months**: “Within three months, Trius FCU was fully integrated and ready to auto-decision loan applicants.”

> We've had so many say to us, 'you are such a small credit union, but you act like a big one.' That's because we adopt cutting-edge technology like Zest AI's. It levels the playing field for everyone, improving our ability to reach members amidst a competitive lending environment.
>
> Amy Demkey, SVP of Lending

Source: [zest.ai](https://www.zest.ai/customer-stories/trius-fcu), captured 2026-10-24.

## Zest AI users in Banking & Mortgages

- [All In Credit Union](https://www.usedby.ai/companies/all-in-credit-union.md) — Confirmed
- [Altra Federal Credit Union](https://www.usedby.ai/companies/altra-federal-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

## What usedby checked

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

- Checked: the figure 20% is printed word for word on the page, near the name of Trius Federal Credit Union.
- Checked: the passage quoted above is copied word for word from the page, near the name of Trius Federal Credit Union.
- Checked: Trius 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/trius-federal-credit-union-zest · How we check: https://www.usedby.ai/methodology