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
115
2010–2026
Total Volume
$25M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
115 total segments
Members Cooperative Credit Union has a strong focus on existing businesses, with 46% of their deals supporting established companies. This could be beneficial if you're looking to acquire or expand an existing operation.
With an average 7(a) spread of P+1.71%, Members Cooperative Credit Union offers competitive pricing compared to the national median of P+2.75%. This can lead to significant savings on interest over the life of your loan.
The lender has shown impressive growth, increasing their SBA deals by 60% year-over-year. This trend suggests they are actively expanding their lending capacity, which may improve your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 15 504 loans, which use fixed SBA debenture rates.
States where Members Cooperative Credit Union has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Transportation & Warehousing
Transportation & Warehousing
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
Retail Trade
Retail Trade
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for Members Cooperative Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Minnesota · Transportation & Warehousing · Under $150K | 7(a) | 18 | P+2.30% | $60K | Q3 2023 |
| Minnesota · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+1.63% | $106K | Q3 2022 |
| Minnesota · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+1.00% | $257K | Q4 2023 |
| Minnesota · Transportation & Warehousing · $150K – $350K | 7(a) | 5 | P+0.75% | $178K | Q3 2025 |
| Minnesota · Other Health Practitioners · Under $150K | 7(a) | 4 | P+3.38% | $40K | Q3 2024 |
| Minnesota · Retail Trade · Under $150K | 7(a) | 4 | P+1.88% | $73K | Q4 2021 |
| Minnesota · Auto Repair & Maintenance · $150K – $350K | 7(a) | 4 | P+2.56% | $199K | Q2 2023 |
| Minnesota · Administrative & Waste Services · $150K – $350K | 7(a) | 3 | P+-0.25% | $178K | Q1 2023 |
| Minnesota · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+1.50% | $76K | Q2 2019 |
| Minnesota · General Merchandise · Under $150K | 7(a) | 3 | P+2.75% | $93K | Q4 2013 |
| Minnesota · Hotels & Accommodation · $150K – $350K | 7(a) | 2 | P+0.38% | $268K | Q4 2022 |
| Minnesota · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+0.78% | $268K | Q3 2018 |
| Minnesota · Heavy & Civil Engineering · $350K – $500K | 7(a) | 2 | P+1.75% | $464K | Q2 2025 |
| Minnesota · Engineering & Architecture · Under $150K | 7(a) | 2 | P+1.42% | $100K | Q2 2023 |
| Minnesota · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+1.00% | $204K | Q1 2025 |
| Minnesota · Mining & Oil/Gas · Under $150K | 7(a) | 2 | P+2.13% | $93K | Q3 2018 |
| Minnesota · Manufacturing · Under $150K | 7(a) | 2 | P+3.50% | $42K | Q4 2021 |
| Minnesota · Real Estate · Under $150K | 7(a) | 2 | P+2.94% | $82K | Q2 2014 |
| Minnesota · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+1.00% | $101K | Q4 2025 |
| Wisconsin · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+0.75% | $135K | Q2 2018 |
| Minnesota · Wholesale Trade · $150K – $350K | 504 | 2 | — | $239K | Q1 2023 |
| Minnesota · Transportation & Warehousing · $350K – $500K | 504 | 2 | — | $407K | Q1 2025 |
| Minnesota · Wholesale Trade · $500K – $1M | 504 | 2 | — | $723K | Q1 2023 |
| Minnesota · Other Repair & Services · $150K – $350K | 7(a) | 1 | P+1.75% | $233K | Q3 2019 |
| Minnesota · Agriculture & Forestry · Under $150K | 7(a) | 1 | P+2.75% | $20K | Q3 2021 |
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Real experiences from borrowers who closed SBA loans with Members Cooperative Credit Union.
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