Arizona Financial Credit Union: SBA Lending Record
What SBA's own loan files show about Arizona Financial Credit Union as an SBA lender, and how a lender's record bears on a feasibility study.
The Arizona Financial Credit Union record at a glance
304 loans, approved FY2017 to FY2026, have Arizona Financial Credit Union as SBA-listed holder. At Arizona Financial Credit Union, dollar volume stands at $231.2 million gross, over 304 loans. SBA, not Arizona Financial Credit Union, guarantees each of the 304 loans held, now or earlier, by Arizona Financial Credit Union. By program, 304 are 7(a), none 504, at Arizona Financial Credit Union; a 7(a) book throughout. Arizona Financial Credit Union appears as holder, current or last.
190 of 304 loans have no tracked class, which leaves Arizona Financial Credit Union class rows thinner. Arizona Financial Credit Union class rows open with assisted living, 24 of 304 loans. Then 11 in full-service restaurant, limited-service restaurant with 10 loans and hotel and motel at 9. Further down Arizona Financial Credit Union: gas station and truck stop (7), 6 loans in automotive mechanical repair and 6 in fitness center. Arizona Financial Credit Union table: classes beyond these appear there.
Arizona Financial Credit Union loans sit in Arizona (288) and 6 in Nevada, per SBA. For a project elsewhere, Arizona Financial Credit Union has nothing nearby: a narrow footprint.
Arizona Financial Credit Union: loans cancelled or charged off
Arizona Financial Credit Union approvals, FY2017 to FY2024: 7.4%, at least, were cancelled after approval. 7.4% is the ceiling as well, so Arizona Financial Credit Union undisbursed loans change nothing. Among 214 loans disbursed FY2017 to FY2021, Arizona Financial Credit Union has 2.8% charged off, a floor. Arizona Financial Credit Union five-year charge-offs: withheld. Arizona Financial Credit Union outcomes show; reasons do not. Arizona Financial Credit Union cohort rates cover FY2017 to FY2021 disbursements. Arizona Financial Credit Union: 7.4% is a floor, 304 loans notwithstanding, not a forecast. Arizona Financial Credit Union: every rate here is a floor, 304 loans or not; 7.4% included.
Arizona Financial Credit Union in a study
For Arizona Financial Credit Union, a credit union, 304 loans sit in SBA records. Arizona Financial Credit Union has no row that says what Arizona Financial Credit Union wants from a borrower. At Arizona Financial Credit Union, weigh Arizona then assisted living, 304 loans deep, against the project. Arizona Financial Credit Union: other sources go in the study.
Arizona Financial Credit Union totals are context. 304 loans say little about a project, Arizona or beyond it. 304 loans at Arizona Financial Credit Union do not carry assisted living demand, Arizona Financial Credit Union cannot; Arizona conditions do, not Arizona Financial Credit Union. Budget lines meet raised funds, 304 loans staying aside. 304 loans give Arizona Financial Credit Union breadth, not depth. Arizona Financial Credit Union must survive 7.4% as a minimum, not as the aim. Arizona Financial Credit Union aside, debt service coverage keeps a 7.4% floor in view. Collateral for Arizona Financial Credit Union rests on the appraisal. Arizona Financial Credit Union: no study promises approval; 304 loans or none, it prepares the file.
SBA loans held by Arizona Financial Credit Union
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 304 |
|---|---|
| Gross dollars approved | $231.2 million |
| SBA 7(a) loans | 304 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 7.4% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 7.4% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 2.8% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 214 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 190 |
| Assisted living (without nursing care) | 24 |
| Full-service restaurant | 11 |
| Limited-service restaurant | 10 |
| Hotel and motel | 9 |
| Gas station and truck stop | 7 |
| Automotive mechanical repair (car and truck) | 6 |
| Fitness center | 6 |
| Child care center | 5 |
| Beauty salon | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-ncua-68730.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Arizona Financial Credit Union or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
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