The Credit Union Institute
by Exo AI
Driving Member Growth
Reach younger and emerging members with smarter product matching and higher lifetime member value.
Reducing Costs + Saving Time
Automate the workflows that bury your best analysts so they can focus on judgment - not data entry.
Cutting Edge AI
Frontier AI applied to credit union workflows by a team that has done it at scale in 40+ countries.
A limited time offer for forward-thinking credit unions.
A structured partnership built by MIT and Stanford AI experts for forward-thinking credit unions. We embed with your team, identify your highest-value AI opportunity, and help you deploy a working solution. You tell us the problem. We help with the fix.
We don’t arrive with a pre-packaged product. We start by listening to your examiners, loan officers, and back-office team. Then we identify the one or two workflows where AI will have the highest measurable impact. How do we measure impact?
We can solve your most pressing pain points.
We’re not prescriptive - we listen first. But here are examples of where we can help. We can solve:
Watch every credit in your book automatically - every night, not just at quarter-end. Catch early warning signs before a loan drifts toward collections, identify refinance opportunities before members go elsewhere, and have board and exam packs ready in one click.
From borrower documents to a complete credit memo - in your own template, in minutes. Spreads, global cash flow analysis, and approval packages done before the coffee is cold. Your team stays focused on credit judgment, not formatting.
Your annual review cycle shouldn’t be a months-long backlog that buries your credit team. We convert periodic reviews into continuous monitoring - so exam-ready packages are assembled automatically before the examiner calls.
Real-time AML, PEP, and sanctions screening calibrated to your membership profile - not a generic bank ruleset. Flags suspicious activity before it posts, with case management your BSA team will actually use and examiners will appreciate.
Every borrower file read at intake and cross-checked for inconsistencies, forgery indicators, missing title policies, and adverse terms. What a sharp analyst catches on a good day - applied to every single file, every time.
A neutral AI first pass on income and assets, following your credit policy - not someone else’s. Same high-quality starting point for every underwriter, every file, with a full traceable audit trail from application to decision.
Reach younger and emerging members with products that fit how they actually live. AI-driven product matching increases lifetime member value and share of wallet - without adding headcount or chasing generic demographics.
Full commercial real estate analysis - DSCR, IRR, equity multiple, exit value - end to end. Scenario comparisons, sensitivity tables, and exam-ready documentation in your template, every deal, every time.
Built for credit union examiners.
Not just for engineers.
Every feature we build is designed with your NCUA examination, your IT team, and your board in mind - from day one.
Human in the Loop
Every AI output is a recommendation, not a decision. Your team approves every action. Our role is to give your people the best possible starting point - judgment stays with you.
Examiner-Ready Audit Trail
Complete documentation of every recommendation, the reasoning behind it, and who approved it - available on demand. When the examiner arrives, you’re ready before they ask.
Data Security & Privacy
Your data is never used to train our models. Encryption in transit and at rest. SOC 2-aligned controls. Full security documentation ready for your IT team before we touch a single file.
NCUA-Aligned Compliance
We build around NCUA expectations and your specific compliance process - not a generic bank template. We speak the language of your examiners because we’ve been in those rooms.
IT-Ready Documentation
Security docs, data flow diagrams, and access control specs are prepared for your IT review from day one - not scrambled together when someone asks for them.
Role-Based Access Controls
Granular permissions ensure the right people see the right information. Full audit log, SSO-ready integration, and access controls designed for your organizational structure.
Built by MIT and Stanford AI experts.
We’ve built AI for regulated financial institutions across 40+ countries. We know what examiners look for - because we’ve been in the room.
Applied AI PhDOlamide has spent a decade building AI systems for regulated financial institutions across 40+ countries. His doctoral research at Stanford focused on applied AI for high-stakes financial decisions. Before Exo AI, his software was used by over 200,000 businesses globally. He brings deep expertise in credit risk, model governance, and building AI that passes examiner scrutiny.
Patent-Pending AI IPSruthi led diligence on over $500M in transactions before co-founding Exo AI. She holds a patent-pending in applied AI for credit risk and brings deep operational experience in how financial institutions make decisions under pressure. At Exo AI she leads partnerships, product delivery, and client success.
Former CEO & Board MemberAUM Scaled 30×Lucia is a former CEO and Board Member of a regulated investment firm and family office, where she scaled assets under management 30×. She brings firsthand experience navigating regulatory environments, board governance, and institutional trust.
Hamza was a founding engineer at two fintech unicorns - Flutterwave and Wise - building infrastructure that now serves over 5 million users globally. He brings 10+ years of experience building regulated fintech infrastructure at scale across large enterprises, and leads Exo AI’s engineering and product architecture.
By the numbers
Let’s schedule time to meet.
We’re selective about who we partner with this summer. If your credit union is ready to move quickly on AI, we want to hear from you.
Schedule Time to Meet →