Case Study: United Federal Credit Union achieves faster small business lending growth with Baker Hill

United Federal Credit Union grows SBA lending to 53 loans with Baker Hill

United Federal Credit Union, a credit union with $4.2B in assets, faced operational friction that constrained its small business lending growth. Its processes treated smaller-dollar requests like full commercial loans, creating unnecessary work for staff and members. Leadership also identified a lack of scalability in SBA lending and insufficient portfolio visibility for proactive risk management. To address these challenges, they partnered with vendor Baker Hill to implement a modernized lending solution.

Baker Hill provided the technology to standardize commercial and small business credit workflows, enabling faster scored decisioning for loans under $200K. This solution helped United Federal Credit Union quickly route each request to the appropriate lending path. The results were significant, including growing from 1 SBA loan to 53 loans and approving approximately $69M in SBA lending, which earned them a national ranking. Commercial production for the first quarter of 2026 also exceeded the total for all of 2025, demonstrating measurable growth across their entire lending ecosystem.

United Federal Credit Union