This session will explore how Credit Unions can leverage data, analytics, and AI with actionable solutions to enhance financial inclusivity and engagement for low-to-moderate-income members while growing assets. We will discuss the challenges these members face and the barriers to serving them, focusing on the role of credit scoring and opportunities for improvement. Featuring a case study from On Tap Credit Union, the session will provide practical insights into developing effective strategies, managing risks, and achieving measurable outcomes.