GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
129
2010–2024
Total Volume
$18M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a)
129 total segments
Centris Federal Credit Union is a 7(a)-only lender, focusing primarily on smaller deals, with 81% of their loans under $150K. This makes them a good fit for startups or small existing businesses looking for modest financing.
With an average 7(a) spread of P+2.45%, Centris offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of the loan.
Centris has seen a significant decline in their lending activity, with a 33% drop in deals year-over-year. This trend may indicate a tightening of their lending criteria, making it potentially harder for new applicants to get approved.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where Centris Federal Credit Union has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Other Repair & Services
Other Services
Food & Beverage Stores
Retail Trade
Transportation & Warehousing
Transportation & Warehousing
Retail Trade
Retail Trade
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for Centris Federal Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Nebraska · Specialty Trade Contractors · Under $150K | 7(a) | 20 | P+2.75% | $44K | Q1 2024 |
| Nebraska · Restaurants & Food Service · Under $150K | 7(a) | 11 | P+2.75% | $73K | Q4 2015 |
| Nebraska · Other Repair & Services · Under $150K | 7(a) | 10 | P+2.70% | $91K | Q1 2017 |
| Nebraska · Wholesale Trade · Under $150K | 7(a) | 9 | P+2.25% | $66K | Q2 2015 |
| Nebraska · Retail Trade · Under $150K | 7(a) | 6 | P+2.88% | $89K | Q3 2016 |
| Nebraska · Food & Beverage Stores · Under $150K | 7(a) | 6 | P+2.50% | $61K | Q4 2011 |
| Nebraska · Transportation & Warehousing · Under $150K | 7(a) | 6 | P+3.00% | $59K | Q2 2015 |
| Nebraska · Information & Media · Under $150K | 7(a) | 5 | P+2.75% | $35K | Q3 2022 |
| Nebraska · Social Assistance · Under $150K | 7(a) | 5 | P+3.00% | $70K | Q1 2013 |
| Nebraska · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.50% | $317K | Q1 2017 |
| Nebraska · General Merchandise · Under $150K | 7(a) | 4 | P+2.87% | $74K | Q1 2016 |
| Nebraska · Manufacturing · Under $150K | 7(a) | 4 | P+2.67% | $55K | Q4 2014 |
| Nebraska · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+1.75% | $212K | Q3 2017 |
| Nebraska · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+3.25% | $52K | Q1 2012 |
| Nebraska · Other Repair & Services · $150K – $350K | 7(a) | 2 | P+2.70% | $350K | Q3 2015 |
| Iowa · Wholesale Trade · Under $150K | 7(a) | 2 | P+2.75% | $61K | Q3 2011 |
| Nebraska · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+-1.50% | $200K | Q4 2022 |
| Nebraska · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+2.70% | $68K | Q1 2011 |
| Iowa · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+2.48% | $94K | Q2 2010 |
| Nebraska · Administrative & Waste Services · $2M – $5M | 7(a) | 1 | P+1.25% | $2.1M | Q4 2022 |
| Iowa · Specialty Trade Contractors · Under $150K | 7(a) | 1 | P+2.25% | $102K | Q1 2011 |
| Nebraska · Arts, Entertainment & Recreation · Under $150K | 7(a) | 1 | P+3.00% | $50K | Q1 2017 |
| Iowa · Food & Beverage Stores · Under $150K | 7(a) | 1 | P+3.25% | $60K | Q1 2011 |
| Nebraska · Specialty Trade Contractors · $500K – $1M | 7(a) | 1 | P+1.75% | $593K | Q1 2024 |
| Nebraska · Building Construction · Under $150K | 7(a) | 1 | P+3.25% | $60K | Q3 2013 |
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Real experiences from borrowers who closed SBA loans with Centris Federal Credit Union.
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