STRONG
How competitive are their spreads? Lower = better for you.
FAIR
Total SBA loans closed. More deals = more experience.
FAIR
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
14
2012–2024
Total Volume
$17M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
14 total segments
Most active in New Mexico (93% of deals) and focuses heavily on other health practitioners (21% of deals).
With a median 7(a) spread of P + 1.53%, State Empl CU prices well below the national median of P + 2.00% — competitive pricing is a clear strength here.
Other Health Practitioners makes up 21% of State Empl CU's deals — 3.8x the national average. This is a clear specialist, not a generalist who happens to do some other health practitioners lending.
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 State Empl CU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 9 industries by deal count
Other Health Practitioners
Health Care & Social Assistance
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Manufacturing
Manufacturing
Retail Trade
Retail Trade
Personal Care (Salons, Spas)
Other Services
Physician & Dental Offices
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
+ 1 more
All recorded SBA lending activity for State Empl CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New Mexico · Food & Beverage Stores · $150K – $350K | 7(a) | 1 | P+1.25% | $266K | Q2 2023 |
| New Mexico · Food & Beverage Stores · $500K – $1M | 7(a) | 1 | P+1.25% | $575K | Q1 2023 |
| New Mexico · Other Health Practitioners · $2M – $5M | 7(a) | 1 | P+0.75% | $2.7M | Q3 2022 |
| New Mexico · Other Health Practitioners · $500K – $1M | 7(a) | 1 | P+1.00% | $757K | Q1 2024 |
| New Mexico · Restaurants & Food Service · $2M – $5M | 7(a) | 1 | P+1.25% | $2.1M | Q3 2023 |
| New Mexico · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+1.50% | $700K | Q3 2023 |
| New Mexico · Auto Repair & Maintenance · $350K – $500K | 7(a) | 1 | P+1.50% | $429K | Q2 2022 |
| New Mexico · Personal Care (Salons, Spas) · $2M – $5M | 7(a) | 1 | P+2.75% | $2.1M | Q4 2021 |
| New Mexico · Retail Trade · $2M – $5M | 7(a) | 1 | P+2.50% | $4.7M | Q1 2022 |
| New Mexico · Other Health Practitioners · $150K – $350K | 504 | 1 | — | $260K | Q1 2015 |
| New Mexico · Manufacturing · $350K – $500K | 504 | 1 | — | $370K | Q4 2020 |
| New Mexico · Manufacturing · $1M – $2M | 504 | 1 | — | $1.6M | Q2 2023 |
| New Mexico · Specialty Trade Contractors · $150K – $350K | 504 | 1 | — | $197K | Q1 2024 |
| North Carolina · Physician & Dental Offices · $150K – $350K | 504 | 1 | — | $222K | Q4 2011 |
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