First Community Credit Union Taps Scienaptic AI to Boost Inclusive Lending and Drive Member Growth

Scienaptic AI, a global leader in AI-powered credit decisioning, announced that First Community Credit Union, based in Houston, Texas, has chosen its platform to enhance credit access for its members. The credit union is adopting Scienaptic AI-powered, regulatory-compliant technology to support its goals of making faster, smarter lending decisions, streamlining credit processes, and extending lending opportunities to underserved members.

First Community Credit Union has served Texas communities for more than 70 years with a mission rooted in “people helping people.” From its beginnings supporting Spring Branch ISD employees to now serving 41 counties across the Greater Houston, San Antonio, Austin, and Dallas/Fort Worth regions, the credit union has grown to $2.9 billion in assets while staying true to its community-first philosophy. Today, FCCU empowers more than 176,000 members with reliable financial solutions, leading digital services, and a focus on economic inclusion and member well-being.

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“We are committed to helping members reach their goals through smarter and more inclusive financial access,” said Randal Ward, Chief Lending Officer at First Community Credit Union. “Scienaptic’s platform will deepen our risk insight, unify a wider range of data, and streamline lending decisions through intelligent automation. That means faster responses, more accurate approvals, and a better lending experience for our members. By enhancing our underwriting with AI, we can amplify what we already do best — responsibly supporting families and businesses with access to the credit they need to grow.”

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“We are thrilled to support FCCU as they continue leading with member-first innovation,” said Patrick McElhenie, Chief Growth Officer at Scienaptic AI. “Our AI technology will help the credit union act faster, reduce manual effort, and uncover credit opportunities often missed by traditional methods. Together, we will enable more Texans to achieve financial progress.”

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