Truliant FCU
Nonprofit financial institution with $5.2 billion in assets serving 340,000+ members across North Carolina, South Carolina, and Virginia. Offers checking, savings, mortgages, auto loans, investments, financial planning, and online/mobile banking services.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (154 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Truliant FCU ranks #10 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Truliant FCU’s 7(a) acquisition lending falls in the $1M-$2M range: 47 loans, 30.5% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 37 | 24.0% | |
| $500K-$1M | 30 | 19.5% | |
| $1M-$2M | 47 | 30.5% | |
| $2M-$3M | 17 | 11.0% | |
| $3M-$4M | 12 | 7.8% | |
| $4M-$5M | 11 | 7.1% |
Industries with highest loan volume
Plumbing, Heating, and Air-Conditioning Contractors
8
loans
$1.7M
avg. amount
Full-Service Restaurants
7
loans
$601K
avg. amount
Offices of Mental Health Practitioners (except Physicians)
5
loans
$782K
avg. amount
Limited-Service Restaurants
5
loans
$342K
avg. amount
All Other Specialty Trade Contractors
4
loans
$2.2M
avg. amount
Snack and Nonalcoholic Beverage Bars
3
loans
$559K
avg. amount
Automotive Parts and Accessories Retailers
3
loans
$1.9M
avg. amount
Other Computer Related Services
3
loans
$1.8M
avg. amount
Fitness and Recreational Sports Centers
3
loans
$985K
avg. amount
Other Personal Care Services
3
loans
$1.4M
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
Truliant FCU’s median variable rate is + 2.75%, against a market median of Prime + 1.88%, 88 above market.
It priced below the market median in 0 of the last 8 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.92% |
| $500K-$1M | Prime + 2.85% |
| $1M-$2M | Prime + 2.64% |
| $2M-$3M | Prime + 2.59% |
| $3M-$4M | Prime + 2.60% |
| $4M-$5M | Prime + 2.75% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q3 '24 | Prime + 2.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 17 |
| Q4 '24 | Prime + 3.00% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 14 |
| Q1 '25 | Prime + 2.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 11 |
| Q2 '25 | Prime + 2.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 24 |
| Q3 '25 | Prime + 2.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 19 |
| Q4 '25 | Prime + 3.00% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 10 |
| Q1 '26 | Prime + 2.75% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 9 |
| Q2 '26 | Prime + 2.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 5 |
Truliant FCU has originated 7(a) acquisition loans in 36 states, most actively in North Carolina (17), Virginia (12) and Florida (10). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| North Carolina | 17 | 11.0% |
| Virginia | 12 | 7.8% |
| Florida | 10 | 6.5% |
| Texas | 10 | 6.5% |
| California | 9 | 5.8% |
| New Jersey | 9 | 5.8% |
| Georgia | 8 | 5.2% |
| Illinois | 7 | 4.5% |
| Massachusetts | 6 | 3.9% |
| Pennsylvania | 5 | 3.2% |
| South Carolina | 5 | 3.2% |
| Iowa | 5 | 3.2% |
| Nevada | 4 | 2.6% |
| New York | 4 | 2.6% |
| Missouri | 4 | 2.6% |
| Washington | 3 | 1.9% |
| Colorado | 3 | 1.9% |
| Delaware | 3 | 1.9% |
| Wisconsin | 3 | 1.9% |
| Arkansas | 2 | 1.3% |
| Ohio | 2 | 1.3% |
| Montana | 2 | 1.3% |
| Alabama | 2 | 1.3% |
| Oklahoma | 2 | 1.3% |
| Arizona | 2 | 1.3% |
| Utah | 2 | 1.3% |
| Kansas | 2 | 1.3% |
| Tennessee | 2 | 1.3% |
| Maryland | 2 | 1.3% |
| Vermont | 1 | 0.6% |
| Connecticut | 1 | 0.6% |
| Louisiana | 1 | 0.6% |
| Oregon | 1 | 0.6% |
| District of Columbia | 1 | 0.6% |
| Minnesota | 1 | 0.6% |
| Maine | 1 | 0.6% |