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Credit Union AI Readiness Checklist

For credit union CTOs, CIOs, and risk officers scoping a first AI pilot. A practitioner's checklist that maps your data and governance to what the NCUA expects.

What's inside.

  • Map member data domains to the NCUA Letter 22-CU-02 risk-management expectations before pilot kickoff.
  • The eight vendor-diligence questions to ask any AI provider — and the answers that should stop the deal.
  • A data-classification worksheet separating BSA/AML, lending, and member-service data so the wrong records never reach a model.
  • The model-governance artifacts an examiner expects: model inventory, validation log, and human-review policy.
  • A pilot scoping template that ties one measurable member or staff outcome to a 30-day go/no-go decision.
  • Third-party and concentration-risk checks aligned to FFIEC guidance for hosted AI.

Frameworks the checklist references.

NCUA Letter 22-CU-02

AI risk management for credit unions

NIST AI RMF 1.0

Govern · Map · Measure · Manage

FFIEC IT Examination Handbook

Architecture and third-party risk