Lenders › CommunityAmerica Federal Credit Union
7(a) lenderLenexa, Kansascredit union482nd of 2,184 by approvals
CommunityAmerica Federal Credit Union
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
In FY2021 to FY2025 SBA approved 54 7(a) loans, worth $30.5M, through CommunityAmerica Federal Credit Union of Lenexa, Kansas, a credit union in the SBA 7(a) program. By number of approvals that is 482nd among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 25 approvals totalling $15.5M, up 39% on FY2024 (18). FY2026 to 30 Jun 2026 adds 10 more.
The median approval was $250K, against $190K for the 7(a) program as a whole; 29.6% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 2 states and territories and 9 counties, led by Missouri (61.1%) and Kansas (38.9%). The largest industry group was manufacturing at 18.5% of approvals, and 1.9% of approvals were to franchise businesses.
CommunityAmerica Federal Credit Union has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 10 | $7.9M | $425K | $787K | 64 |
| FY2025 | 25 | $15.5M | $500K | $622K | 284 |
| FY2024 | 18 | $13.2M | $249K | $732K | 360 |
| FY2023 | 3 | $389K | $131K | $130K | 129 |
| FY2022 | 3 | $625K | $120K | $208K | 20 |
| FY2021 | 5 | $761K | $143K | $152K | 63 |
| FY2020 | 4 | $354K | $87K | $89K | 85 |
| FY2019 | 6 | $1.2M | $233K | $204K | 191 |
| FY2018 | 2 | — | — | — | 17 |
| FY2017 | 1 | — | — | — | 5 |
| FY2016 | 1 | — | — | — | 1 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 14 approvals. First approval on file: FY2015.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Missouri | 7(a) program |
|---|---|---|---|
| Approvals in these years | 21 | 11,816 | 639,905 |
| Cancelled or never disbursed | 3 | 1,369 | 79,313 |
| Disbursed loans | 18 | 10,447 | 560,592 |
| Paid in full | 14 | 8,078 | 435,813 |
| Charged off | 1 | 777 | 36,891 |
| Still outstanding (status exempt from disclosure) | 3 | 1,592 | 87,888 |
| Charged off, share of disbursed loans | too few loans | 7.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | too few loans | 3.6% | 2.5% |
| Dollars charged off | — | $149M | $5.70bn |
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $250K | $190K |
| Average approval | $565K | $518K |
| Approvals of $150,000 or less | 29.6% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 33.3% | 34.3% |
| Approvals to franchise businesses | 1.9% | 11.5% |
| Jobs supported per approval, as reported | 15.9 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | too few loans | 6.6% |
States served
| # | State of the business (2 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Missouri | 33 | $17.0M | 61.1% | |
| 2 | Kansas | 21 | $13.5M | 38.9% |
In Missouri the lender accounts for 0.6% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (9 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Jackson County, MO | 19 | $10.7M | 35.2% | |
| 2 | Johnson County, KS | 12 | $7.1M | 22.2% | |
| 3 | Clay County, MO | 7 | $5.6M | 13.0% | |
| 4 | Wyandotte County, KS | 6 | $4.5M | 11.1% | |
| 5 | Platte County, MO | 4 | $428K | 7.4% | |
| 6 | Douglas County, KS | 2 | — | 3.7% | |
| 7 | St. Louis County, MO | 2 | — | 3.7% | |
| 8 | Leavenworth County, KS | 1 | — | 1.9% | |
| 9 | Cass County, MO | 1 | — | 1.9% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Manufacturing | 10 | 18.5% | |
| 2 | Other Services (except Public Administration) | 7 | 13.0% | |
| 3 | Health Care and Social Assistance | 7 | 13.0% | |
| 4 | Retail Trade | 6 | 11.1% | |
| 5 | Accommodation and Food Services | 5 | 9.3% | |
| 6 | Construction | 5 | 9.3% | |
| 7 | Information | 2 | 3.7% | |
| 8 | Transportation and Warehousing | 2 | 3.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 9.3% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 4 | 7.4% | |
| 3 | Other Personal ServicesNAICS 8129 | 3 | 5.6% | |
| 4 | Household and Institutional Furniture and Kitchen Cabinet ManufacturingNAICS 3371 | 3 | 5.6% | |
| 5 | Furniture and Home Furnishings RetailersNAICS 4491 | 2 | 3.7% | |
| 6 | Other Wood Product ManufacturingNAICS 3219 | 2 | 3.7% | |
| 7 | Newspaper, Periodical, Book, and Directory PublishersNAICS 5131 | 2 | 3.7% | |
| 8 | Personal Care ServicesNAICS 8121 | 2 | 3.7% | |
| 9 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 3.7% | |
| 10 | Support Activities for Air TransportationNAICS 4881 | 2 | 3.7% |
Approval sizes
- $50,000 or less5.6%3
- $50,001 to $150,00024.1%13
- $150,001 to $350,00025.9%14
- $350,001 to $1 million27.8%15
- $1 million to $2 million13.0%7
- Over $2 million3.7%2
Loan terms
- 5 years or less3.7%2
- Over 5 to 10 years79.6%43
- Over 10 to 20 years9.3%5
- Over 20 years7.4%4
Age of the businesses
- Existing, more than 2 years old40.7%22
- New business, 2 years or less22.2%12
- Startup, loan funds will open the business11.1%6
- Change of ownership25.9%14
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 21 | 38.9% | |
| 2 | 7a General | 17 | 31.5% | |
| 3 | Preferred Lenders Program | 13 | 24.1% | |
| 4 | International Trade Loans | 1 | 1.9% | |
| 5 | Working Capital CAPLine | 1 | 1.9% | |
| 6 | 7(a) WCP | 1 | 1.9% |
Franchise share
1 of 54 approvals in FY2021–FY2025 (1.9%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Simple Simon's Pizza | 1 | 1.9% |
Questions and answers
How many SBA loans does CommunityAmerica Federal Credit Union make?
SBA approved 25 7(a) loans through CommunityAmerica Federal Credit Union in FY2025, worth $15.5M, and 54 over FY2021 to FY2025. That ranks 482nd of 2,184 active 7(a) lenders by number of approvals.
How large are CommunityAmerica Federal Credit Union's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $250K and the average $565K. The program-wide median was $190K.
What is CommunityAmerica Federal Credit Union's charge-off rate?
CommunityAmerica Federal Credit Union has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does CommunityAmerica Federal Credit Union lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (5); offices of other health practitioners (4); other personal services (3); household and institutional furniture and kitchen cabinet manufacturing (3).
Where does CommunityAmerica Federal Credit Union make SBA loans?
In 2 states and territories. Missouri 33, Kansas 21. In Missouri it accounts for 0.6% of all 7(a) approvals.
Is CommunityAmerica Federal Credit Union's SBA lending rising?
Approvals in the three latest complete fiscal years total 46, against 12 in the three before: rising (+283%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error