United FCU
United Federal Credit Union is a Michigan-based credit union serving members with comprehensive financial services including banking, mortgages, and loans through multiple branch locations and digital channels.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (42 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
United FCU ranks #37 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of United FCU’s 7(a) acquisition lending falls in the $1M-$2M range: 17 loans, 40.5% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 8 | 19.1% | |
| $500K-$1M | 15 | 35.7% | |
| $1M-$2M | 17 | 40.5% | |
| $2M-$3M | 1 | 2.4% | |
| $4M-$5M | 1 | 2.4% |
Industries with highest loan volume
Beer, Wine, and Liquor Retailers
18
loans
$1.1M
avg. amount
Limited-Service Restaurants
4
loans
$958K
avg. amount
Landscaping Services
3
loans
$501K
avg. amount
Supermarkets and Other Grocery Retailers (except Convenience Retailers)
3
loans
$873K
avg. amount
Hotels (except Casino Hotels) and Motels
2
loans
$4.0M
avg. amount
Private Mail Centers
2
loans
$535K
avg. amount
Drycleaning and Laundry Services (except Coin-Operated)
2
loans
$739K
avg. amount
Coin-Operated Laundries and Drycleaners
1
loans
$774K
avg. amount
Offices of Chiropractors
1
loans
$1.2M
avg. amount
Exam Preparation and Tutoring
1
loans
$433K
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
United FCU’s median variable rate is + 2.50%, against a market median of Prime + 1.88%, 63 above market.
It priced below the market median in 0 of the last 5 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.66% |
| $500K-$1M | Prime + 2.52% |
| $1M-$2M | Prime + 2.41% |
| $2M-$3M | Prime + 1.00% |
| $4M-$5M | Prime + 0.75% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q1 '25 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q2 '25 | Prime + 2.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 8 |
| Q3 '25 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 9 |
| Q1 '26 | Prime + 2.75% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 8 |
| Q2 '26 | Prime + 2.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
United FCU has originated 7(a) acquisition loans in 10 states, most actively in Michigan (26), Florida (4) and North Carolina (4). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Michigan | 26 | 61.9% |
| Florida | 4 | 9.5% |
| North Carolina | 4 | 9.5% |
| New Jersey | 2 | 4.8% |
| Texas | 1 | 2.4% |
| Ohio | 1 | 2.4% |
| Indiana | 1 | 2.4% |
| Minnesota | 1 | 2.4% |
| Wisconsin | 1 | 2.4% |
| New York | 1 | 2.4% |
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