NAICS 5222 · IRS SOI 2013 (C corp) · Census CBP 2023

Nondepository Credit Intermediation - Industry Benchmarks

$110,908/yr average annual pay, with 67 SBA loans on record for NAICS 5222.

8.5%
Net margin: 570K
Workers employed: $110,908/yr
Avg payroll / employee: $33M
SBA lending, FY20–26

Data updated August 2026

The verdict · NAICS 5222

Nondepository Credit Intermediation runs a 8.5% pre-tax net margin - in line with the national median - across 42K establishments employing 570K workers.

8.5%
Pre-tax net margin (IRS SOI): 570K
Workers employed (Census CBP): $110,908/yr
Avg payroll / employee: $33M
SBA lending, FY20–26

Use Nondepository Credit Intermediation's NAICS benchmark as a comparison point, not a forecast for one business.

Nondepository Credit Intermediation 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 Nondepository Credit Intermediation

Nondepository Credit Intermediation sits inside Finance and Insurance at a 8.5% net margin (in line with the national median), $104.0B in aggregate receipts across 7,191 returns, averaging $14.5B per establishment.

42,371 establishments employ 570,079 workers (13.4/location) at $110,908/yr average annual pay. Texas leads employment, followed by California and Florida.

Nondepository Credit Intermediation sits in the 76th percentile for employment and the 76th percentile for net margin among 4-digit NAICS industries with reported data.

Profit Margin

8.5%

Net income ÷ total receipts (IRS SOI)

Total Receipts

$104.0B

Annual revenue (IRS SOI)

Net Income

$8.8B

Pre-tax net income

Employment

570,079

Total employees (Census CBP)

Avg Payroll / Employee

$110,908/yr

Annual compensation

Establishments

42,371

Business locations

Release-over-release change

What changed from Census CBP 2022 to 2023

Employment decreased by 116,481; establishment count decreased by 4,513. 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 Nondepository Credit Intermediation revenue goes

Receipts decomposition, IRS Statistics of Income 2023 aggregate for Nondepository Credit Intermediation

Workforce scale

Establishment size, Nondepository Credit Intermediation (Census SUSB)

Nondepository Credit Intermediation margin vs national reference points

Nondepository Credit Intermediation net margin 28.3%

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

7,191 returns 100%

Margin: 8.5% · Receipts: $104.0B

Financial Detail

Total Tax Returns Filed: 7,191
Avg Receipts per Business: $14.5B
Annual Payroll (Total): $63.2B
Avg Employees per Establishment: 13.4

Sub-Industries

Industry	Profit Margin	Employment	Avg Payroll/Emp
Credit Card Issuing NAICS 52221	N/A	N/A	N/A
Other Nondepository Credit Intermediation NAICS 52229	N/A	411,884	$103,899/yr
Sales Financing NAICS 52222	N/A	82,691	$115,056/yr

Top States by Employment

State	Employment	Establishments	Annual Payroll	Avg Payroll/Emp
Texas	74,106	5,741	$7.1B	$95,244/yr
California	62,679	3,688	$7.8B	$123,820/yr
Florida	28,844	3,016	$2.9B	$99,608/yr
Michigan	26,294	612	N/A	N/A
Arizona	22,540	1,083	$1.9B	$84,397/yr
Georgia	19,937	2,280	$1.9B	$96,535/yr
Illinois	19,517	1,225	$2.5B	$127,035/yr
Pennsylvania	14,303	871	$1.5B	$107,931/yr
North Carolina	13,544	1,529	$1.2B	$89,889/yr
Tennessee	13,193	1,376	$1.1B	$85,539/yr

Showing top 10 of 51 states

SBA Lending Activity

SBA FY2020–2026

SBA Loans Approved

Total Loan Volume

$33M

Avg Loan Size

$497K

Jobs Supported

556

Program Breakdown

7(a) 53 (79%)

504 14 (21%)

Top SBA Lender

Comerica Bank

7 loans in this industry

New Business Share

14.9% of borrowers were new/startup businesses

Annual Lending Trend (6 yrs)

2020

2021

2022

2023

2024

2025

View SBA lending rankings →

Frequently Asked Questions

What is the average revenue for Nondepository Credit Intermediation?

$104.0B in total annual receipts across all Nondepository Credit Intermediation businesses. Average per business: $14.5B.

How profitable is Nondepository Credit Intermediation?

8.5% net profit margin, in line with the national median.

How many businesses are in Nondepository Credit Intermediation?

42,371 business establishments. Together they employ 570,079 workers.

What is the average payroll per employee in Nondepository Credit Intermediation?

$110,908/yr average annual pay per employee. Businesses average 13.4 employees per establishment.

Which states have the most Nondepository Credit Intermediation employment?

Texas leads with 74,106 workers. California (62,679) and Florida (28,844) round out the top three.

How much SBA lending does Nondepository Credit Intermediation receive?

Nondepository Credit Intermediation businesses received 67 SBA loans totaling $33 million between FY2020 and FY2026. The average loan size was $497K. These loans supported 556 jobs at origination. Most lending (79%) came through the SBA 7(a) program.

Nationwide industries with similar benchmark drivers

Two IRS/Census peer sets for Nondepository Credit Intermediation, both at NAICS level 4 and excluding this code so the neighborhoods are not self-links.

According to Census County Business Patterns 2023, Nondepository Credit Intermediation ranks #61 of 259 U.S. industries at the 4-digit NAICS level by total employment. According to IRS SOI 2013 IRS Statistics of Income, its reported pre-tax net margin ranks #30 of 126 at that same detail level.

Similar reported net margin

Nearest peer industries by ABS(IRS pre-tax margin) (8.5% here).

Other Transportation Equipment Manufacturing 8.5% Resin, Synthetic Rubber, and Artificial and Synthetic Fibers and Filaments Manufacturing 8.7% Electrical Equipment Manufacturing 8.7%

Similar workforce scale

Nearest peer industries by ABS(Census employment) (570,079 here).

Animal Slaughtering and Processing 556,205 Motor Vehicle Parts Manufacturing 587,237 Office Administrative Services 550,384

Read with this industry: Understanding profit margins by industry · Finance and Insurance · 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 5222 · 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 Accessed 2026-07-06

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.