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
187
2010–2025
Total Volume
$13M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
187 total segments
North Country Federal Credit Union primarily focuses on startups, with 53% of their deals going to new businesses. This is a strong signal for first-time borrowers looking for support.
The lender has a minimal 504 presence, with only 5 out of 187 deals being 504 loans. If you're seeking a 504 loan for real estate, you might want to consider other options.
With an average deal size of $70,335 and most deals under $150K, North Country Federal Credit Union is best suited for smaller financing needs. Larger projects may not fit their typical lending profile.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 5 504 loans, which use fixed SBA debenture rates.
States where North Country Federal Credit Union has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Transportation & Warehousing
Transportation & Warehousing
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Other Professional Services
Professional Services
Heavy & Civil Engineering
Construction
+ 7 more
All recorded SBA lending activity for North Country Federal Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Vermont · Transportation & Warehousing · Under $150K | 7(a) | 41 | P+1.75% | $60K | Q4 2024 |
| Vermont · Specialty Trade Contractors · Under $150K | 7(a) | 24 | P+2.37% | $50K | Q1 2025 |
| Vermont · Administrative & Waste Services · Under $150K | 7(a) | 21 | P+2.74% | $49K | Q1 2025 |
| Vermont · Manufacturing · Under $150K | 7(a) | 11 | P+3.75% | $49K | Q2 2019 |
| Vermont · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+3.25% | $31K | Q2 2023 |
| Vermont · Auto Repair & Maintenance · Under $150K | 7(a) | 9 | P+2.75% | $28K | Q1 2024 |
| Vermont · Heavy & Civil Engineering · Under $150K | 7(a) | 7 | P+2.74% | $32K | Q3 2022 |
| Vermont · Other Professional Services · Under $150K | 7(a) | 7 | P+2.24% | $59K | Q4 2023 |
| Vermont · Agriculture & Forestry · Under $150K | 7(a) | 6 | P+3.13% | $40K | Q4 2016 |
| Vermont · Real Estate · Under $150K | 7(a) | 6 | P+-0.63% | $89K | Q4 2018 |
| Vermont · Retail Trade · Under $150K | 7(a) | 4 | P+3.25% | $70K | Q2 2019 |
| Vermont · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+3.50% | $26K | Q4 2022 |
| Vermont · Information & Media · Under $150K | 7(a) | 3 | P+3.00% | $38K | Q3 2016 |
| Vermont · Building Construction · Under $150K | 7(a) | 2 | P+3.75% | $25K | Q2 2012 |
| Vermont · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+3.75% | $242K | Q4 2014 |
| Vermont · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+1.57% | $22K | Q1 2020 |
| Vermont · Other Repair & Services · Under $150K | 7(a) | 2 | P+5.25% | $20K | Q2 2021 |
| Vermont · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+4.00% | $18K | Q2 2023 |
| Vermont · Transportation & Warehousing · $150K – $350K | 7(a) | 2 | P+0.88% | $213K | Q1 2018 |
| Vermont · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.50% | $251K | Q3 2021 |
| Vermont · Wholesale Trade · Under $150K | 7(a) | 2 | P+3.75% | $40K | Q3 2016 |
| Vermont · Social Assistance · Under $150K | 7(a) | 2 | P+4.88% | $24K | Q2 2014 |
| Vermont · Other Health Practitioners · Under $150K | 7(a) | 2 | P+3.63% | $27K | Q1 2016 |
| Vermont · Restaurants & Food Service · $500K – $1M | 504 | 1 | — | $520K | Q4 2024 |
| Vermont · Gas Stations · Under $150K | 7(a) | 1 | P+3.75% | $25K | Q2 2012 |
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Real experiences from borrowers who closed SBA loans with North Country Federal Credit Union.
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