First Financial of Maryland Federal Credit Union Taps Scienaptic AI to Enhance Credit Decisioning and Improve Member Access and Lending Efficiency

Scienaptic AI, a global leader in advanced credit decisioning technology, announced that First Financial of Maryland Federal Credit Union (First Financial), headquartered in Sparks Glencoe, Maryland, has selected the Scienaptic platform to enhance its credit decisioning processes. The partnership supports First Financial’s ongoing efforts to modernize lending operations, improve consistency and efficiency, and responsibly expand access to credit for its members.

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Founded in 1953, First Financial has served members across Maryland for more than seven decades. With over $1.3 billion in assets and more than 77,000 members, the credit union is guided by its motto, “Don’t just bank, belong.” First Financial is committed to delivering personalized, member-focused financial services that promote long-term financial well-being while maintaining prudent risk management and strong governance.

Through this initiative, First Financial will leverage advanced analytics and decisioning support tools to complement its existing lending policies and underwriting framework. The enhanced platform is designed to help incorporate additional relevant data points, improve decision consistency and turnaround times, and support fair and responsible credit decisions, while maintaining appropriate human oversight and compliance with applicable regulatory requirements.

“At First Financial, our mission is to ensure every member feels understood and supported,” said Eric Church, CEO of First Financial of Maryland Federal Credit Union. “As member expectations evolve, it is important that our lending experience remains efficient, consistent, and aligned with our values. This technology helps us better evaluate each application within our established credit policies and risk framework, enabling faster decisions while continuing to manage risk responsibly and serve our members’ long-term financial goals.”

“First Financial’s approach reflects a thoughtful and disciplined use of technology in lending,” said Patrick McElhenie, Chief Growth Officer at Scienaptic AI. “We are pleased to support their efforts to enhance credit decisioning with greater clarity and consistency, while respecting the credit union’s commitment to governance, transparency, and member trust.”

The enhanced credit decisioning capabilities will support First Financial’s strategic objectives by strengthening the member lending experience, improving operational efficiency, and reinforcing the credit union’s commitment to responsible growth and financial inclusion.

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