Finance and Insurance ·NAICS 522210

NAICS 522210 · IRS SOI 2023 · Census CBP

Credit Card Issuing - Industry Benchmarks

2 SBA loans on record, $1M in volume, for NAICS 522210.

20.1%
Finance and Insurance sector margin
N/A
Workers employed
N/A
Avg payroll / employee
$1M
SBA lending, FY20–26

Data updated July 2026

The verdict · NAICS 522210

Delaware leads Credit Card Issuing activity nationally. IRS SOI doesn't publish margin data at this NAICS level, but the broader Finance and Insurance sector runs a 20.1% net margin.

20.1%
Finance and Insurance sector margin (IRS SOI)
N/A
Workers employed (Census CBP)
N/A
Avg payroll / employee
$1M
SBA lending, FY20–26

Benchmarking Insights for Credit Card Issuing

Credit Card Issuing sits inside Finance and Insurance, a sector that runs a 20.1% net margin overall.

615 establishments employ N/A workers. Delaware leads employment, followed by Illinois and California.

Employment

N/A

Total employees (Census CBP)

Avg Payroll / Employee

N/A

Annual compensation

Establishments

615

Business locations

Release-over-release change

What changed from Census CBP 2022 to 2023

establishment count decreased by 83. This comparison uses two published national Census County Business Patterns releases; suppressed fields are omitted rather than estimated.

Financial Detail

Top States by Employment

State Employment
Delaware 3,455
Illinois 1,475
California 856
Washington 207

Showing top 10 of 40 states

SBA Lending Activity

SBA FY2020–2026

SBA Loans Approved

2

Total Loan Volume

$1M

Avg Loan Size

$365K

Jobs Supported

9

Program Breakdown

7(a) 2 (100%)
504 0 (0%)

Top SBA Lender

Newtek Small Business Finance, Inc.

1 loans in this industry

New Business Share

50.0% of borrowers were new/startup businesses

Annual Lending Trend (2 yrs)

2020
1
2021
1

View SBA lending rankings →

Frequently Asked Questions

How profitable is Credit Card Issuing?
IRS SOI doesn't publish margin data at the NAICS 522210 level. Delaware leads this industry nationally. The broader Finance and Insurance sector runs a 20.1% net margin (IRS SOI 2023).
How many businesses are in Credit Card Issuing?
615 business establishments.
What is the average payroll per employee in Credit Card Issuing?
Average payroll data for Credit Card Issuing is not available in the current Census CBP dataset.
Which states have the most Credit Card Issuing employment?
Delaware leads with 3,455 workers. Illinois (1,475) and California (856) round out the top three.
How much SBA lending does Credit Card Issuing receive?
Credit Card Issuing businesses received 2 SBA loans totaling $1 million between FY2020 and FY2026. The average loan size was $365K. These loans supported 9 jobs at origination. Most lending (100%) came through the SBA 7(a) program.

Benchmarking Credit Card Issuing

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 522210 · Data year: 2023

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.