Profit Margin
18.7%
Net income ÷ total receipts (IRS SOI)
Finance and Insurance ·NAICS 522
NAICS 522 · IRS SOI 2013 (C corp) · Census CBP 2023
Credit Intermediation and Related Activities - Industry Benchmarks
$104,345/yr average annual pay, with 433 SBA loans on record for NAICS 522.
- 18.7%
- Net margin
- 3.0M
- Workers employed
- $104,345/yr
- Avg payroll / employee
- $245M
- SBA lending, FY20–26
Data updated August 2026
The verdict · NAICS 522
Credit Intermediation and Related Activities runs a 18.7% pre-tax net margin - above average for US industries - across 177K establishments employing 3.0M workers.
- 18.7%
- Pre-tax net margin (IRS SOI)
- 3.0M
- Workers employed (Census CBP)
- $104,345/yr
- Avg payroll / employee
- $245M
- SBA lending, FY20–26
Use Credit Intermediation and Related Activities's NAICS benchmark as a comparison point, not a forecast for one business.
Credit Intermediation and Related Activities is reported here with financial measures from IRS Statistics of Income and workforce measures from Census County Business Patterns. The page keeps those source systems distinct, shows unavailable fields rather than estimating them, and links the underlying industry context so readers can compare the same NAICS activity before interpreting a margin or payroll figure.
Source: IRS SOI 2013 (C corporation headline) and Census County Business Patterns 2023
Benchmarking Insights for Credit Intermediation and Related Activities
Credit Intermediation and Related Activities sits inside Finance and Insurance at a 18.7% net margin (above average for US industries), $409.7B in aggregate receipts across 41,272 returns, averaging $9.9B per establishment.
176,966 establishments employ 2,953,663 workers (16.7/location) at $104,345/yr average annual pay. Texas leads employment, followed by California and Florida.
Total Receipts
$409.7B
Annual revenue (IRS SOI)
Net Income
$76.6B
Pre-tax net income
Employment
2,953,663
Total employees (Census CBP)
Avg Payroll / Employee
$104,345/yr
Annual compensation
Establishments
176,966
Business locations
Release-over-release change
What changed from Census CBP 2022 to 2023
Employment increased by 12,259; establishment count decreased by 7,842. This comparison uses two published national Census County Business Patterns releases; suppressed fields are omitted rather than estimated.
Subscribe to this industry's release updates (RSS)Where each dollar of Credit Intermediation and Related Activities revenue goes
Workforce scale
Credit Intermediation and Related Activities margin vs national reference points
Credit Intermediation and Related Activities net margin 62.3%
Cross-industry median (5%)
p25/median/p75 = 3%/5%/7%
Business Structure Breakdown
Per-entity IRS SOI tables at their own vintages, shares only when every row shares one year (never mix 2013/2017/2022 populations).
C Corporation SOI 2013
41,272 returns
Margin: 18.7% · Receipts: $409.7B
Sole Proprietorship SOI 2022
49,764 returns
Margin: 30.0% · Receipts: $3.6B
Financial Detail
- Total Tax Returns Filed
- 41,272
- Avg Receipts per Business
- $9.9B
- Annual Payroll (Total)
- $308.2B
- Avg Employees per Establishment
- 16.7
Sub-Industries
| Industry | Profit Margin |
|---|---|
| Activities Related to Credit Intermediation NAICS 5223 | 12.2% |
| Depository Credit Intermediation NAICS 5221 | 14.7% |
| Nondepository Credit Intermediation NAICS 5222 | 8.5% |
Top States by Employment
| State | Employment |
|---|---|
| Texas | 294,576 |
| California | 281,751 |
| Florida | 178,144 |
| Illinois | 119,475 |
| Ohio | 114,437 |
| Pennsylvania | 93,857 |
| Arizona | 92,896 |
| Georgia | 84,713 |
| New Jersey | 78,232 |
| Missouri | 67,958 |
Showing top 10 of 51 states
SBA Lending Activity
SBA FY2020–2026SBA Loans Approved
433
Total Loan Volume
$245M
Avg Loan Size
$566K
Jobs Supported
4,260
Program Breakdown
7(a) 361 (83%)
504 72 (17%)
Top SBA Lender
BayFirst National Bank
31 loans in this industry
New Business Share
15.7% of borrowers were new/startup businesses
Annual Lending Trend (7 yrs)
2020 51
2021 84
2022 86
2023 69
2024 50
2025 88
2026 5
Frequently Asked Questions
What is the average revenue for Credit Intermediation and Related Activities?
$409.7B in total annual receipts across all Credit Intermediation and Related Activities businesses. Average per business: $9.9B.
How profitable is Credit Intermediation and Related Activities?
18.7% net profit margin, above average for US industries.
How many businesses are in Credit Intermediation and Related Activities?
176,966 business establishments. Together they employ 2,953,663 workers.
What is the average payroll per employee in Credit Intermediation and Related Activities?
$104,345/yr average annual pay per employee. Businesses average 16.7 employees per establishment.
Which states have the most Credit Intermediation and Related Activities employment?
Texas leads with 294,576 workers. California (281,751) and Florida (178,144) round out the top three.
How much SBA lending does Credit Intermediation and Related Activities receive?
Credit Intermediation and Related Activities businesses received 433 SBA loans totaling $245 million between FY2020 and FY2026. The average loan size was $566K. These loans supported 4,260 jobs at origination. Most lending (83%) came through the SBA 7(a) program.
Comparable industry benchmarks
These links are calculated from the current national dataset. They are comparison paths, not recommendations or evidence that businesses operate alike.
How this ranks: Credit Intermediation and Related Activities reports a higher net margin than 95% of the 75 IRS-tracked industries at the same NAICS detail level. Its Census employment total exceeds 82% of that same 77-industry cohort. Calculated by ranking this industry's reported value against every other industry at the same NAICS digit-level, not the whole dataset: comparing a 6-digit detail industry to a 2-digit sector would mix incompatible scales.
Closest reported net margins
Same NAICS detail level, ordered by the smallest difference in reported IRS pre-tax margin.
Closest workforce scale
Same NAICS detail level, ordered by the smallest difference in reported Census employment.
Benchmarking Credit Intermediation and Related Activities
- Net margin: 18.7% vs sector. Browse Finance and Insurance
- 176,966 establishments, 2,953,663 workers. Payroll benchmarks
- 433 SBA loans on record. SBA lending rankings
Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.
Sources: IRS Statistics of Income (SOI) Business Tax Statistics · Census Bureau County Business Patterns 2023
NAICS 522 · CBP 2023 · IRS SOI 2013
According to the U.S. Census Bureau, which released its 2023 County Business Patterns dataset in June 2025, PlainBizBench benchmarks 2,002 U.S. industries against Internal Revenue Service Statistics of Income data. See our methodology for the full compilation process.
Read our methodology - how this data is sourced, computed, and verified.
Source: U.S. Census Bureau, County Business Patterns / SUSB Industry employment scale, payroll, and firm-size benchmarks · 2023
Every figure on PlainBizBench is rendered directly from federal source data, no number is typed in by an editor. This page aggregates profit-margin, payroll, entity-type, and SBA-lending benchmarks for this industry, live from the dataset. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.
Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.