Telhio Credit Union Inc: SBA Lending Record

What SBA's own loan files show about Telhio Credit Union Inc as an SBA lender, and how a lender's record bears on a feasibility study.

Daniel Smith, MAI

Telhio Credit Union Inc: the SBA record

560 loans carry Telhio Credit Union Inc as holder across FY2017 to FY2026: $154.9 million gross. Telhio Credit Union Inc is recorded by SBA in Ohio. The 560 loans count as holdings: Telhio Credit Union Inc holds or last held each, per SBA. 560 loans fall under SBA 7(a). Telhio Credit Union Inc has 0 in SBA 504. Telhio Credit Union Inc's last year, FY2026, is complete. Telhio Credit Union Inc's record spans 560 loans and $154.9 million gross. SBA, not Telhio Credit Union Inc, stands behind the 560 loans; the figures show holdings, not policy.

400 loans among Telhio Credit Union Inc's 560 carry no named class. Telhio Credit Union Inc's class table reads: Limited-service restaurant at 24; Full-service restaurant at 23; Child care center, 21; Beverage manufacturing (breweries, wineries, distilleries) (12); Fitness center (12); Nonresidential lessor (flex, office and retail investor buildings) (9); Manufactured housing community (lessors of other real estate) at 9; Liquor store at 8; Automotive mechanical repair (car and truck) (5); Medical office (physicians) (5). Of 560 loans, 400 are unclassed and 24 are Limited-service restaurant. A class view of Telhio Credit Union Inc spans part of 560. At Telhio Credit Union Inc, 23 Full-service restaurant loans follow 24 Limited-service restaurant.

Telhio Credit Union Inc: where the loans sit

Geography is narrow: Ohio is the only state line, at 547 loans out of 560. 547 of Telhio Credit Union Inc's 560 loans sit in Ohio. Telhio Credit Union Inc's table maps 560 loans, no boundary for sites beyond Ohio.

Telhio Credit Union Inc outcome floors

Telhio Credit Union Inc's cancelled-after-approval floor reads 12.7% for approvals from FY2017 to FY2024. In the Telhio Credit Union Inc book, no ceiling appears. It adds unfunded loans as cancelled ones. The Loan Analytics standard holds it back for small groups. Regard the blank as unknown; it is not estimated. Across 197 loans disbursed in FY2017 to FY2021, 2.5% are charged off to date, a floor. Telhio Credit Union Inc's charge-off rate by year five is not printed. Loan Analytics' small-group rule holds it back on thin cohorts. Regard the blank as unknown; it is not estimated. Telhio Credit Union Inc's 12.7% floor means approval is not funding. 197 loans, 2.5% charged off: cash must keep flowing. For Telhio Credit Union Inc, test one is site demand. For Telhio Credit Union Inc, test two is full project cost. At Telhio Credit Union Inc, test three is debt service coverage. At Telhio Credit Union Inc, test four is the appraisal.

Telhio Credit Union Inc's record shows a lender 560 loans and $154.9 million gross. Telhio Credit Union Inc's record shows a borrower 560 holdings and no terms. Nothing in Telhio Credit Union Inc's 560 loans predicts its answer to a request. 24 Limited-service restaurant loans lead the named classes. Holdings are all Telhio Credit Union Inc shows. For Telhio Credit Union Inc, bring a self-standing study. 560 loans held by Telhio Credit Union Inc are all the file contains.

SBA loans held by Telhio Credit Union Inc

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	560
Gross dollars approved	$154.9 million
SBA 7(a) loans	560
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	12.7%
The same, counting loans still undisbursed as cancelled (a ceiling)	withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	2.5%
Charged off within five years of approval	withheld
Loans in that cohort	197

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	400
Limited-service restaurant	24
Full-service restaurant	23
Child care center	21
Beverage manufacturing (breweries, wineries, distilleries)	12
Fitness center	12
Nonresidential lessor (flex, office and retail investor buildings)	9
Manufactured housing community (lessors of other real estate)	9
Liquor store	8
Automotive mechanical repair (car and truck)	5
Medical office (physicians)	5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

State or area	Loans
Ohio	547

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-62848.

Related feasibility study pages

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 Telhio Credit Union Inc or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

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