Kinecta Federal Credit Union Wins “Best of Show” Award at the CUNA Technology Council’s Excellence Awards


Its “Preapproval of Credit Cards using Machine Learning” entry showcases Kinecta’s outstanding commitment and innovative use of technology to serve its members

MANHATTAN BEACH, Calif. – Kinecta Federal Credit Union, a $6.5 billion credit union headquartered in Manhattan Beach, California, was announced as the winner of the “Best of Show” Award by the CUNA Technology Council at this year’s CUNA Virtual Conference. The prestigious CUNA Technology Council’s Excellence Awards identify and honor credit unions that exemplify excellence in technology.

Voted on by a panel of CUNA Technology Council Committee members and industry professionals, the award recognizes Kinecta’s “Preapproval of Credit Cards using Machine Learning” entry (asset group > $500 Million), an analytics model for increasing the acquisition of credit cards among members that currently don’t possess a credit card. The goal of this innovative method is to improve product penetration on credit cards by pre-approving members using machine learning without adding undue risk.

Led by Sharon Moseley, Senior Vice President and Chief Information Officer of Kinecta, the new model uses machine learning methods to “learn” from existing processed applications and understand how the data (without credit report information) correlate to the probability of credit card application approval. This model can then be used to market credit-building products to members who would have normally been turned down due to their FICO score.

“We are deeply honored to be awarded by the CUNA Technology Council for the extraordinary outcome of a technology transformation model that increases needed access to credit by our members,” said Keith Sultemeier, Chief Executive Officer of Kinecta. “I would like to congratulate Sharon and especially Bhavesh Shah, who leads the BI/AI technology team, on this outstanding accomplishment and contribution to the success of Kinecta.”

For more information about Kinecta, visit

About Kinecta Federal Credit Union
Kinecta Federal Credit Union is the country’s 35th largest credit union, with assets of $6.5 billion and over 270,000 member-owners. Our 800+ employees serve members from 32 branches, a variety of specialty offices, and highly responsive call centers on both coasts. Banking the Southern California area for more than 80 years, with recent expansion to Northern California, New York, and New Jersey, Kinecta offers its members a full range of financial products through the Credit Union and its subsidiaries, Kinecta Wealth Management and Kinecta Insurance Services. Daily Breeze readers have named Kinecta a top South Bay credit union for the past 10 years, and Kinecta was voted Easy Reader’s 2020 “Best of the Beach” Credit Union.

About CUNA Councils
CUNA Councils is a member-led, collaborative community of credit union leaders providing vibrant peer interaction, new ideas and innovation to foster professional development for our members while advocating for the overall success of the credit union movement. There are eight CUNA Councils with a network of more than 7,300 credit union professionals. For more information, visit

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