SBA lender profile
United FCU
United FCU appears in the public SBA loan data with 192 funded 7(a) loans since FY2010, totaling $132.4M, an average of $690K per loan, and an estimated 2,098 jobs supported. Its SBA lending concentrates in Michigan and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 2.1%. 22.9% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 77
- Scale 71
- Activity 85
- Consistency 72
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is United FCU the right lender for you?
Lenders fund what they know. United FCU's SBA lending concentrates in Michigan (97 loans) and Accommodation and Food Services (43 loans), at an average loan of $690K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Where United FCU lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Michigan | 97 | $58.2M |
| North Carolina | 14 | $14.5M |
| Texas | 5 | $12.0M |
| Virginia | 3 | $6.8M |
| South Carolina | 2 | $5.4M |
| Missouri | 1 | $5.0M |
Metro areas where United FCU funds
What United FCU funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 43 | $56.7M |
| Retail Trade | 50 | $35.8M |
| Other Services | 29 | $11.1M |
| Manufacturing | 21 | $9.4M |
| Health Care and Social Assistance | 8 | $3.4M |
| Arts, Entertainment, Recreation | 7 | $3.3M |
United FCU SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 7 | $1.9M |
| 2011 | 8 | $1.5M |
| 2012 | 9 | $3.2M |
| 2013 | 9 | $1.7M |
| 2014 | 5 | $2.5M |
| 2015 | 6 | $3.5M |
| 2016 | 11 | $2.4M |
| 2017 | 16 | $2.4M |
| 2018 | 15 | $2.9M |
| 2019 | 13 | $3.2M |
| 2020 | 3 | $344K |
| 2021 | 5 | $3.8M |
| 2022 | 6 | $4.4M |
| 2023 | 4 | $2.2M |
| 2024 | 1 | $298K |
| 2025 | 53 | $69.3M |
| 2026 | 21 | $26.7M |
Related SBA lenders
Other lenders active in Michigan or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
United FCU: frequently asked questions
Does United FCU offer SBA loans?
Yes. United FCU appears in the public SBA data with 192 funded SBA 7(a) loans totaling $132.4M.
How many SBA loans has United FCU made?
United FCU is associated with 192 SBA 7(a) loans totaling $132.4M in the public SBA data (as of 2026-03-31).
What is United FCU's SBA charge-off rate?
About 2.1% of United FCU's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does United FCU do most of its SBA lending?
United FCU's SBA lending in the data is most concentrated in Michigan, and by industry in Accommodation and Food Services.
Is United FCU an SBA Preferred Lender (PLP)?
The loan record shows United FCU operating under PLP delegated authority: 44 of its 7(a) loans (22.9%) were processed through the Preferred Lenders Program, including 44 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). United FCU SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/united-fcu/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
Looking for a lender like this?
Compare a few SBA lenders by track record, then get matched with SBA-approved lenders that fund businesses like yours.
Get SBA lending trends in your inbox
Occasional, data-driven briefings on SBA lending by industry and state. No spam, unsubscribe anytime.
We use your email only to send lending-trend updates. See our privacy policy.