{"citation":"United FCU SBA loans. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/united-fcu/ Source: SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/sba-express-lenders/united-fcu/","title":"United FCU SBA loans","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"},{"label":"13 CFR § 120.214(d)","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"NCUA credit union call report data (headquarters and website)","url":"https://ncua.gov/analysis/credit-union-corporate-call-report-data"}],"data":{"lender":{"name":"United FCU","legal_name":"United FCU","type":"credit union","headquarters_city":"Saint Joseph","headquarters_state":"MI","fdic_certificate":null,"ncua_charter":6288,"regulator_status":"active","website":"https://www.unitedfcu.com","rank_by_loans":201,"lenders_ranked":807},"window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"loans":86,"dollars_approved":108257200,"median_loan":846450,"loan_25th_percentile":536500,"loan_75th_percentile":1429000,"median_term_months":300,"median_starting_rate_pct":9.5,"median_starting_rate_window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"median_spread_over_prime_points":2.5,"sba_express_share_pct":null,"line_of_credit_share_pct":null,"loans_by_size":{"$50,000 or less":0,"$50,001 to $150,000":0,"$150,001 to $350,000":15,"$350,001 to $500,000":6,"$500,001 to $1,000,000":26,"$1,000,001 to $2,000,000":27,"Over $2,000,000":12},"loans_by_business_age":{"In business more than 2 years":19,"In business 2 years or less":9,"Startup: the loan opens the business":9,"Change of ownership":49,"Not answered":0},"top_states":{"Michigan":39,"North Carolina":8,"Florida":6,"Texas":5},"top_industries":{"Beer, Wine, and Liquor Retailers":21,"Hotels (except Casino Hotels) and Motels":10,"Limited-Service Restaurants":8},"loans_by_fiscal_year":{"2020":null,"2021":5,"2022":6,"2023":null,"2024":null,"2025":53,"2026":32},"charge_offs":{"loans_approved_in":"FY2020 to FY2022","loans":14,"charged_off_pct_of_loans":0.0,"charged_off_pct_of_dollars":0.0},"all_lenders":{"median_loan":150300,"median_spread_over_prime_points":2.75,"sba_express_share_pct":35.8,"line_of_credit_share_pct":28.1,"charged_off_pct_of_loans":3.6},"note":"Null means fewer than 5 loans. Loans SBA approved only: the file has no denials."}}