STRONG
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
104
2010–2025
Total Volume
$36M
Gross loan amounts
States Active
9
With recorded loans
Programs
7(a) & 504
104 total segments
First Community CU has a balanced approach to lending, with 18% of its deals in the 504 program, which is on par with the national average. This indicates they are equipped to handle real estate-focused financing, making them a viable option for borrowers interested in property acquisition or expansion.
With an average 7(a) spread of P+1.56%, First Community CU offers competitive pricing compared to the national median of P+2.75%. This lower spread can save borrowers money over the life of their loan, making it an attractive option for financing.
First Community CU has seen a decline in its lending activity, with a 27% drop in year-over-year deals. This trend may indicate a tightening of their lending criteria, which could make securing a loan more challenging for potential borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 19 504 loans, which use fixed SBA debenture rates.
States where First Community CU has recorded SBA lending activity.
+ 4 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Administrative & Waste Services
Administrative & Waste Services
Restaurants & Food Service
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Auto Repair & Maintenance
Other Services
Personal Care (Salons, Spas)
Other Services
Hotels & Accommodation
Accommodation & Food Services
Building Construction
Construction
+ 7 more
All recorded SBA lending activity for First Community CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| North Dakota · Administrative & Waste Services · Under $150K | 7(a) | 5 | P+2.25% | $56K | Q3 2016 |
| Missouri · Administrative & Waste Services · Under $150K | 7(a) | 5 | P+-1.26% | $60K | Q4 2023 |
| Missouri · Manufacturing · Under $150K | 7(a) | 4 | P+1.13% | $96K | Q4 2023 |
| Missouri · Other Professional Services · Under $150K | 7(a) | 4 | P+2.13% | $85K | Q4 2023 |
| Missouri · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+0.75% | $56K | Q1 2024 |
| Missouri · Other Health Practitioners · Under $150K | 7(a) | 2 | P+2.00% | $42K | Q3 2017 |
| North Dakota · Other Repair & Services · $150K – $350K | 7(a) | 2 | P+0.70% | $215K | Q1 2022 |
| Missouri · Building Construction · Under $150K | 7(a) | 2 | P+2.00% | $25K | Q2 2024 |
| Missouri · Engineering & Architecture · Under $150K | 7(a) | 2 | P+0.99% | $44K | Q2 2025 |
| Missouri · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+-0.38% | $135K | Q4 2016 |
| North Dakota · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+3.25% | $21K | Q4 2015 |
| Michigan · Manufacturing · $150K – $350K | 504 | 2 | — | $210K | Q3 2016 |
| North Dakota · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+2.25% | $300K | Q3 2011 |
| Missouri · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+3.38% | $76K | Q4 2011 |
| North Dakota · Building Construction · Under $150K | 7(a) | 2 | P+2.25% | $80K | Q4 2015 |
| Texas · Hotels & Accommodation · $1M – $2M | 504 | 2 | — | $1.7M | Q4 2015 |
| Missouri · Real Estate · Under $150K | 7(a) | 1 | P+2.50% | $40K | Q3 2016 |
| North Dakota · Building Construction · $150K – $350K | 7(a) | 1 | P+2.25% | $350K | Q2 2015 |
| North Dakota · Heavy & Civil Engineering · $150K – $350K | 7(a) | 1 | P+2.75% | $300K | Q2 2013 |
| North Dakota · Auto Dealers & Parts · $350K – $500K | 7(a) | 1 | P+2.75% | $420K | Q1 2013 |
| North Dakota · Food & Beverage Stores · Under $150K | 7(a) | 1 | P+-0.15% | $89K | Q1 2023 |
| North Dakota · Gas Stations · $500K – $1M | 7(a) | 1 | P+3.50% | $910K | Q4 2010 |
| North Dakota · General Merchandise · Under $150K | 7(a) | 1 | P+2.75% | $110K | Q1 2014 |
| North Dakota · Other Professional Services · $150K – $350K | 7(a) | 1 | P+1.75% | $350K | Q3 2017 |
| North Dakota · Hotels & Accommodation · $150K – $350K | 7(a) | 1 | P+1.75% | $232K | Q2 2016 |
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