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
90
2011–2025
Total Volume
$14M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
90 total segments
Most active in Wisconsin (99% of deals) and focuses heavily on transportation & warehousing (12% of deals).
With a median 7(a) spread of P + 2.48%, Educators Credit Union prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
Transportation & Warehousing makes up 12% of Educators Credit Union's deals — 5.1x the national average. This is a clear specialist, not a generalist who happens to do some transportation & warehousing lending.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 4 504 loans, which use fixed SBA debenture rates.
States where Educators Credit Union has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Transportation & Warehousing
Transportation & Warehousing
Administrative & Waste Services
Administrative & Waste Services
Specialty Trade Contractors
Construction
Personal Care (Salons, Spas)
Other Services
Retail Trade
Retail Trade
Engineering & Architecture
Professional Services
Physician & Dental Offices
Health Care & Social Assistance
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for Educators Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Wisconsin · Transportation & Warehousing · Under $150K | 7(a) | 9 | P+2.75% | $94K | Q2 2018 |
| Wisconsin · Specialty Trade Contractors · Under $150K | 7(a) | 8 | P+2.88% | $62K | Q2 2024 |
| Wisconsin · Administrative & Waste Services · Under $150K | 7(a) | 8 | P+3.00% | $49K | Q1 2017 |
| Wisconsin · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+1.75% | $67K | Q1 2017 |
| Wisconsin · Physician & Dental Offices · Under $150K | 7(a) | 4 | P+4.00% | $49K | Q2 2019 |
| Wisconsin · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+3.00% | $44K | Q4 2019 |
| Wisconsin · Retail Trade · Under $150K | 7(a) | 3 | P+3.75% | $43K | Q3 2019 |
| Wisconsin · Auto Dealers & Parts · Under $150K | 7(a) | 3 | P+4.00% | $60K | Q4 2017 |
| Wisconsin · Manufacturing · Under $150K | 7(a) | 3 | P+2.00% | $133K | Q2 2020 |
| Wisconsin · Other Health Practitioners · Under $150K | 7(a) | 3 | P+3.00% | $38K | Q1 2016 |
| Wisconsin · Auto Repair & Maintenance · Under $150K | 7(a) | 3 | P+2.25% | $90K | Q2 2019 |
| Wisconsin · Engineering & Architecture · Under $150K | 7(a) | 3 | P+3.00% | $28K | Q1 2016 |
| Wisconsin · Wholesale Trade · Under $150K | 7(a) | 3 | P+3.00% | $75K | Q1 2022 |
| Wisconsin · Information & Media · Under $150K | 7(a) | 2 | P+4.00% | $15K | Q4 2012 |
| Wisconsin · Other Professional Services · Under $150K | 7(a) | 2 | P+3.50% | $60K | Q3 2012 |
| Wisconsin · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+2.50% | $48K | Q4 2012 |
| Wisconsin · Other Repair & Services · Under $150K | 7(a) | 2 | P+2.25% | $35K | Q4 2023 |
| Wisconsin · Administrative & Waste Services · $150K – $350K | 7(a) | 1 | P+2.00% | $233K | Q4 2019 |
| Wisconsin · Education · Under $150K | 7(a) | 1 | P+1.00% | $15K | Q2 2011 |
| Wisconsin · Miscellaneous Retail · $150K – $350K | 504 | 1 | — | $249K | Q4 2019 |
| Wisconsin · Administrative & Waste Services · $350K – $500K | 504 | 1 | — | $450K | Q4 2020 |
| Wisconsin · Wholesale Trade · $1M – $2M | 504 | 1 | — | $1.4M | Q4 2021 |
| Illinois · Management & IT Consulting · Under $150K | 7(a) | 1 | P+1.50% | $150K | Q2 2020 |
| Wisconsin · Social Assistance · $350K – $500K | 504 | 1 | — | $451K | Q3 2025 |
| Wisconsin · Specialty Trade Contractors · $150K – $350K | 7(a) | 1 | P+3.00% | $155K | Q3 2012 |
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