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
113
2010–2025
Total Volume
$26M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
113 total segments
First U.S. Community CU has a strong focus on existing businesses, with 57% of their deals serving this purpose. This may be beneficial if you're looking to acquire or expand an established business.
With an average 7(a) spread of P+2.22%, First U.S. Community CU offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Despite having a minimal 504 presence (5% of deals), First U.S. Community CU may not be the best choice for borrowers specifically seeking 504 loans, as they primarily focus on 7(a) lending.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 6 504 loans, which use fixed SBA debenture rates.
States where First U.S. Community CU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Food & Beverage Stores
Retail Trade
Physician & Dental Offices
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
Accounting & Tax
Professional Services
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for First U.S. Community CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 13 | P+2.75% | $249K | Q4 2017 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 11 | P+2.75% | $116K | Q3 2024 |
| California · Manufacturing · Under $150K | 7(a) | 6 | P+2.75% | $99K | Q1 2018 |
| California · Administrative & Waste Services · Under $150K | 7(a) | 6 | P+2.75% | $78K | Q1 2023 |
| California · Food & Beverage Stores · Under $150K | 7(a) | 4 | P+2.75% | $106K | Q2 2015 |
| California · Other Health Practitioners · Under $150K | 7(a) | 4 | P+3.50% | $68K | Q2 2023 |
| California · Physician & Dental Offices · Under $150K | 7(a) | 3 | P+2.75% | $108K | Q1 2017 |
| California · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+2.75% | $90K | Q2 2019 |
| California · Food & Beverage Stores · $150K – $350K | 7(a) | 3 | P+2.75% | $275K | Q2 2020 |
| California · Engineering & Architecture · Under $150K | 7(a) | 2 | P+2.00% | $80K | Q2 2023 |
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 2 | P+1.13% | $685K | Q2 2020 |
| California · General Merchandise · Under $150K | 7(a) | 2 | P+3.63% | $25K | Q4 2012 |
| California · Legal Services · Under $150K | 7(a) | 2 | P+2.75% | $76K | Q4 2012 |
| California · Accounting & Tax · Under $150K | 7(a) | 2 | P+2.75% | $25K | Q4 2014 |
| California · Physician & Dental Offices · $150K – $350K | 7(a) | 2 | P+2.25% | $278K | Q4 2015 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+1.63% | $426K | Q2 2023 |
| California · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+2.75% | $100K | Q3 2018 |
| California · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+2.75% | $38K | Q4 2015 |
| California · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.75% | $207K | Q1 2022 |
| California · Manufacturing · $350K – $500K | 7(a) | 2 | P+0.88% | $438K | Q2 2024 |
| California · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+2.75% | $85K | Q1 2015 |
| California · Transportation & Warehousing · $150K – $350K | 7(a) | 2 | P+2.38% | $253K | Q2 2017 |
| California · Restaurants & Food Service · $150K – $350K | 504 | 2 | — | $206K | Q1 2024 |
| California · Legal Services · $150K – $350K | 7(a) | 1 | P+2.00% | $182K | Q1 2013 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 1 | P+-0.50% | $1.5M | Q1 2023 |
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Real experiences from borrowers who closed SBA loans with First U.S. Community CU.
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