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The Lender Report built this page from public records. LEVO Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about LEVO Credit Union itself. Each figure shows its source and date. Work at LEVO Credit Union? You can claim this page for free.
Credit union, Sioux Falls, SD
LEVO Credit Union
A credit union based in Sioux Falls, SD. Its commercial book is led by non-owner-occupied CRE and multifamily. Public files show recent 1-4 unit investor, SBA 7(a) and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $49.5M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 8
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 23
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $516M
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 605-334-2471 From the NCUA record, June 30, 2026.
- Website
- www.levo.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- levo.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- LEVO; Levo Federal Credit UnionNCUA 5300,
- Address
- PO Box 5735, Sioux Falls, SD 57117-5735NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Community credit unions.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. LEVO Credit Union's Non-owner-occupied CRE balance rose 82.2% to $25.2M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 22 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jul 2025 | South Dakota | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $63K | 7.5% | 6 yr | SBA FOIA | |
| Jul 2025 | South Dakota | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $50K | 9.5% | 7 yr | SBA FOIA | |
| Jul 2025 | South Dakota | SBA 7(a), Construction | $40K | 10% | 7 yr | SBA FOIA | |
| Jul 2025 | South Dakota | SBA 7(a), Construction | $5.7K | 8% | 3 yr | SBA FOIA | |
| Jun 2025 | South Dakota | SBA 7(a), Agriculture, Forestry, Fishing and Hunting | $8K | 10.5% | 2 yr | SBA FOIA | |
| Feb 2025 | South Dakota | SBA 7(a), Construction | $18K | 7.5% | 5 yr | SBA FOIA | |
| Jan 2025 | South Dakota | SBA 7(a), General Freight Trucking, Local | $45K | 8.5% | 5 yr | SBA FOIA | |
| Jan 2025 | South Dakota | SBA 7(a), General Freight Trucking, Local | $20K | 11% | 4 yr | SBA FOIA | |
| Dec 2024 | South Dakota | SBA 7(a), Accommodation and Food Services | $51K | 9.5% | 10 yr | SBA FOIA | |
| Dec 2024 | South Dakota | SBA 7(a), Other Services (except Public Administration) | $16K | 8.25% | 5 yr | SBA FOIA | |
| Nov 2024 | South Dakota | SBA 7(a), Fitness and Recreational Sports Centers | $140K | 7.75% | 25 yr | SBA FOIA | |
| Nov 2024 | South Dakota | SBA 7(a), Construction | $56K | 8.25% | 6 yr | SBA FOIA | |
| Nov 2024 | South Dakota | SBA 7(a), Professional, Scientific, and Technical Services | $54K | 8% | 5 yr | SBA FOIA | |
| Nov 2024 | South Dakota | SBA 7(a), General Freight Trucking, Local | $15K | 11% | 3 yr | SBA FOIA | |
| Oct 2024 | South Dakota | SBA 7(a), Administrative and Support and Waste Management and Remediation Services | $90K | 9% | 7 yr | SBA FOIA | |
| Oct 2024 | North Dakota | SBA 7(a), Professional, Scientific, and Technical Services | $40K | 11% | 3 yr | SBA FOIA | |
| Oct 2024 | South Dakota | SBA 7(a), Construction | $40K | 7.5% | 6 yr | SBA FOIA | |
| Oct 2024 | Iowa | SBA 7(a), Construction | $25K | 13% | 4 yr | SBA FOIA | |
| Oct 2024 | South Dakota | SBA 7(a), Manufacturing | $17K | 9.25% | 5 yr | SBA FOIA | |
| Sep 2024 | South Dakota | SBA 7(a), Professional, Scientific, and Technical Services | $15K | 12% | 2 yr | SBA FOIA | |
| Aug 2024 | South Dakota | SBA 7(a), Mobile Food Services | $150K | 9.5% | 10 yr | SBA FOIA | |
| Aug 2024 | South Dakota | SBA 7(a), Accommodation and Food Services | $25K | 13% | 7 yr | SBA FOIA | |
| Aug 2024 | South Dakota | SBA 7(a), General Freight Trucking, Local | $15K | 11% | 3 yr | SBA FOIA | |
| 23 SBA 7(a) loans since October 2023, net of cancelled | $999K | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $13.0M | 4.0% | Not reported | 8 | $1.62M |
| Construction and land development | $571K | 0.2% | Not reported | 1 | $571K |
| Owner-occupied CRE | $6.77M | 2.1% | -24.9% | 20 | $339K |
| Non-owner-occupied CRE | $25.2M | 7.7% | Not reported | 25 | $1.01M |
| Farmland | $126K | 0.0% | Not reported | 1 | $126K |
| Commercial and industrial | $3.85M | 1.2% | Not reported | 81 | $47.6K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $49.5M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $22.6M |
| Q4 2023 | $23.5M |
| Q1 2024 | $22.2M |
| Q2 2024 | $22.3M |
| Q3 2024 | $22.1M |
| Q4 2024 | $23.1M |
| Q1 2025 | $50.4M |
| Q2 2025 | $9.01M |
| Q3 2025 | $8.96M |
| Q4 2025 | $46.0M |
| Q1 2026 | $44.9M |
| Q2 2026 | $49.5M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 1 | $140K | $140K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 23 | $999K | $40.0K | $150K | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 8 | $9.43M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 4 | $3.95M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 2 | $351K | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 1 | $5M | NCUA 5300, | ||
| C&I | First half of 2026 | 14 | $563K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number.
| Book | Average loan |
|---|---|
| Construction and land development | $571K |
| Multifamily | $1.62M |
| Owner-occupied CRE | $339K |
| Non-owner-occupied CRE | $1.01M |
| Farmland | $126K |
| Commercial and industrial | $47.6K |
| Industry | Loans | Dollars |
|---|---|---|
| Construction | 6 | $185K |
Other lenders in these fields: SBA lenders for construction trades.
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| South Dakota HQ | 7 | 0 | 1 | 21 | 0 |
| Iowa | 1 | 0 | 0 | 1 | 0 |
| North Dakota | 1 | 0 | 0 | 1 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $63.2M | $25.1M to $72.1M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $38.5M | $8.90M to $110M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 60.9% | 15.5% to 174.5% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $8.90M | $2.94M to $13.0M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 65.3% | 43.5% to 202.6% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 63.5% | 44.5% to 84.4% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- SBA Express
- 22 loans
- Approval to first disbursement
- 4 days, median of 23
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Northern Hills Credit Union | SD | $205M | $12.7M |
| Diversified Members Credit Union | MI | $589M | $77.9M |
| Voyage Credit Union | SD | $285M | $20.3M |
| Oucu Financial Credit Union, Inc. | OH | $527M | $111M |
| AOD Credit Union | AL | $467M | $108M |
| Cornerstone Community Financial Credit Union | MI | $470M | $57.8M |
| Greenville Credit Union | SC | $512M | $140M |
| Tidemark Credit Union | DE | $469M | $47.9M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. LEVO Credit Union, NCUA charter 60. Compare it with the regulator's record. [NCUA profile]
- Balances. $516M in total assets and $49.5M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 8 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 24 loans in HMDA and SBA files, through September 30, 2026: 1 HMDA 1-4 unit investor 2025, 23 SBA 7(a) in 36 months. [How each file was tied to LEVO Credit Union]
- Phone and website. Phone 605-334-2471, from the NCUA record. Website levo.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 60
- RSSD
- 64776
- LEI
- 549300REHZOIYMHDPI61
- The Lender Report ID
- lr_002525
- Main office county
- Minnehaha
- Members
- 32,968
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $516M in total assets as of June 30, 2026 (NCUA 5300).
- Held $49.5M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $25.2M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $13M of multifamily loans as of June 30, 2026 (NCUA 5300).
- Held $6.8M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Originated 1 1-4 unit investor or business-purpose loan totaling $140K in 2025 (HMDA).
5 more sentences
- Recorded 24 SBA 7(a) approvals totaling $1.3M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Originated 8 real-estate-secured commercial loans totaling $9.4M in the first half of 2026 (NCUA 5300).
- Bought $5M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $11.5M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 9 offices in 3 states (NCUA).
Cite this
Source: The Lender Report, LEVO Credit Union, https://lender.report/lender/levo-credit-union-sd/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem